# EDGAR Filing Document

**Accession Number:** 0000927730
**File Stem:** 0000927730-25-000644
**Filing Date:** 2025-12
**Character Count:** 509724
**Document Hash:** 8b455b6d319268feff9e94df0a629ea1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927730-25-000644.hdr.sgml**: 20251208

**ACCESSION NUMBER**: 0000927730-25-000644

**CONFORMED SUBMISSION TYPE**: 485APOS

**PUBLIC DOCUMENT COUNT**: 9

**FILED AS OF DATE**: 20251208

**DATE AS OF CHANGE**: 20251208

**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:** 485APOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08664
- **FILM NUMBER:** 251555824

**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:** 485APOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-235565
- **FILM NUMBER:** 251555823

**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 December 8, 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;

---

| | | |
|:---|:---|:---|
| REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | [ ] |
| | Pre-Effective Amendment No. | [ ] |
| | Post-Effective Amendment No. **16** | [X] |
| and/or | and/or | and/or |

---

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

---

| | |
|:---|:---|
| Amendment No. **974** | [X] |

---

**JACKSON NATIONAL SEPARATE ACCOUNT - I**

(Exact Name of Registrant)

**JACKSON NATIONAL LIFE INSURANCE COMPANY**

(Name of Depositor)

1 Corporate Way, Lansing, Michigan 48951

(Address of Depositor's Principal Executive Offices)

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

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

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

(Name and Address of Agent for Service)

Copy to:

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

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

---

| | |
|:---|:---|
| Approximate Date of Proposed Public Offering: | Approximate Date of Proposed Public Offering: |
| It is proposed that this filing will become effective (check appropriate box) | It is proposed that this filing will become effective (check appropriate box) |
| [ ] | immediately upon filing pursuant to paragraph (b) |
| [ ] | on (date) pursuant to paragraph (b) |
| **[X]** | **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(a) under the Securities Act of 1933, as amended, and supplements 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.**

------

**THE INFORMATION IN THE PROSPECTUS IS NOT COMPLETE AND MAY BE CHANGED. WE MAY NOT SELL THE SECURITIES UNTIL THE REGISTRATION STATEMENT FILED WITH THE SECURITIES AND EXCHANGE COMMISSION IS EFFECTIVE. THIS PROSPECTUS IS NOT AN OFFER TO SELL THESE SECURITIES AND IS NOT SOLICITING AN OFFER TO BUY THESE SECURITIES IN ANY STATE WHERE THE OFFER OR SALE IS NOT PERMITTED.**

**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**

**The date of this prospectus is [__________]**. This prospectus states the information about the Separate Account, the Contract, and Jackson National Life Insurance Company ("Jackson<sup>®</sup>") you should know before investing. This prospectus is a disclosure document and describes all of the Contract's material features, benefits, rights, and obligations. The description of the Contract's material provisions in this prospectus is current as of the date of this prospectus. If certain material provisions under the Contract are changed after the date of this prospectus, in accordance with the Contract, those changes will be described in a supplemented prospectus. You should carefully read this prospectus in conjunction with any applicable supplements. It is important that you also read the Contract and endorsements, which may reflect additional non-material state variations or other non-material variations. This information is meant to help you decide if the Contract will meet your needs. Please carefully read this prospectus and any related documents and keep everything together for future reference. Additional information about the Separate Account can be found in the Statement of Additional Information ("SAI") dated [__________] that is available upon request without charge. To obtain a copy contact us at our:

---

| |
|:---|
| **Customer Care Center** |
| **P.O. Box 24068** |
| **Lansing, Michigan 48909-4068** |
| **1-800-644-4565** |
| **<u>www.jackson.com</u>** |

---

This prospectus describes the investment options and optional features that we currently offer under the Contract. At the time you purchase the Contract, it is possible that not all of the optional features listed in this prospectus will be available, as we reserve the right to prospectively restrict availability of the optional features. In addition, certain broker-dealers selling the Contracts may limit the investment options and/or optional features that are available to their customers. Ask your financial professional about which investment options and/or optional features are not offered. If a particular investment option or optional feature that interests you is not offered, you may want to contact another broker-dealer to explore its availability. In addition, not all optional features may be available in combination with other optional features, as we also reserve the right to prospectively restrict the availability to elect certain features if certain other optional features have been elected. We reserve the right to limit the number of contracts that you may purchase. We also reserve the right to refuse initial and any or all subsequent Premium payments. Some optional features contain withdrawal restrictions that, if exceeded, may have a significant negative impact on the value of the feature and may cause the feature to prematurely terminate. Please confirm with us or your financial professional that you have the most current prospectus and supplements to the prospectus that describe the availability and any restrictions on the optional features.

This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current annual charges for certain add-on benefits. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. We offer other variable annuity products with different product features, benefits and charges. Ask your financial professional about availability and the details.

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

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

If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total contract value. You should review this prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

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

------

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

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

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

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

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

------

---

| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| **GLOSSARY**  | **[1](#ice1d0412d6264518a7139615482fa97e_16)** |
| **IMPORTANT INFORMATION YOU SHOULD KNOW ABOUT THE CONTRACT** | **[3](#ice1d0412d6264518a7139615482fa97e_19)** |
| **OVERVIEW OF THE CONTRACT** | **[5](#ice1d0412d6264518a7139615482fa97e_2475)** |
| **FEES AND EXPENSES TABLES**  | **[7](#ice1d0412d6264518a7139615482fa97e_22)** |
| &nbsp;&nbsp;Transaction Expenses  | [7](#ice1d0412d6264518a7139615482fa97e_25) |
| &nbsp;&nbsp;Annual Contract Expenses  | [7](#ice1d0412d6264518a7139615482fa97e_28) |
| &nbsp;&nbsp; Annual Fund Expenses  | [8](#ice1d0412d6264518a7139615482fa97e_31) |
| **EXAMPLE** | [8](#ice1d0412d6264518a7139615482fa97e_2629) |
| **FINANCIAL STATEMENTS** | **[8](#ice1d0412d6264518a7139615482fa97e_37)** |
| **THE ANNUITY CONTRACT**  | **[8](#ice1d0412d6264518a7139615482fa97e_40)** |
| **JACKSON**  | **[9](#ice1d0412d6264518a7139615482fa97e_43)** |
| **THE FIXED ACCOUNT**  | **[9](#ice1d0412d6264518a7139615482fa97e_46)** |
| **THE SEPARATE ACCOUNT**  | **[12](#ice1d0412d6264518a7139615482fa97e_52)** |
| **INVESTMENT DIVISIONS**  | **[12](#ice1d0412d6264518a7139615482fa97e_55)** |
| &nbsp;&nbsp;Voting Privileges  | [13](#ice1d0412d6264518a7139615482fa97e_61) |
| &nbsp;&nbsp;Substitution  | [13](#ice1d0412d6264518a7139615482fa97e_64) |
| **PRINCIPAL RISKS** | **[14](#ice1d0412d6264518a7139615482fa97e_2493)** |
| **BENEFITS AVAILABLE UNDER THE CONTRACT** | **[16](#ice1d0412d6264518a7139615482fa97e_2503)** |
| **CONTRACT CHARGES**  | **[19](#ice1d0412d6264518a7139615482fa97e_67)** |
| &nbsp;&nbsp;&nbsp;**TRANSACTION EXPENSES** | **[20](#ice1d0412d6264518a7139615482fa97e_2514)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Withdrawal Charge | [20](#ice1d0412d6264518a7139615482fa97e_79) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commutation Fee  | [22](#ice1d0412d6264518a7139615482fa97e_70) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transfer Charge  | [19](#ice1d0412d6264518a7139615482fa97e_67) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expedited Delivery Charge | [22](#ice1d0412d6264518a7139615482fa97e_2527) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Wire Transfer Charge | [22](#ice1d0412d6264518a7139615482fa97e_2533) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premium Taxes  | [21](#ice1d0412d6264518a7139615482fa97e_76) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income Taxes  | [20](#ice1d0412d6264518a7139615482fa97e_79) |
| &nbsp;&nbsp;&nbsp;**ANNUAL CONTRACT EXPENSES** | **[22](#ice1d0412d6264518a7139615482fa97e_2542)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Core](#ice1d0412d6264518a7139615482fa97e_70)[Contract Charge](#ice1d0412d6264518a7139615482fa97e_70) | [22](#ice1d0412d6264518a7139615482fa97e_70) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Annual Contract Maintenance Charge | [22](#ice1d0412d6264518a7139615482fa97e_73) |
| &nbsp;&nbsp;&nbsp;**ADD-ON BENEFIT EXPENSES** | **[22](#ice1d0412d6264518a7139615482fa97e_2551)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liquidity Option Charge | [22](#ice1d0412d6264518a7139615482fa97e_82) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings Protection Benefit ("EarningsMax") Charge | [22](#ice1d0412d6264518a7139615482fa97e_2742) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") Charge | [23](#ice1d0412d6264518a7139615482fa97e_2817) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Death Benefit Charges | [23](#ice1d0412d6264518a7139615482fa97e_85) |
| &nbsp;&nbsp;&nbsp;**FUND EXPENSES** | **[23](#ice1d0412d6264518a7139615482fa97e_2560)** |
| **DISTRIBUTION OF CONTRACTS**  | **[24](#ice1d0412d6264518a7139615482fa97e_100)** |
| **PURCHASES**  | **[26](#ice1d0412d6264518a7139615482fa97e_103)** |
| &nbsp;&nbsp;Minimum Initial Premium  | [26](#ice1d0412d6264518a7139615482fa97e_106) |
| &nbsp;&nbsp;Minimum Additional Premiums  | [26](#ice1d0412d6264518a7139615482fa97e_109) |
| &nbsp;&nbsp;Maximum Premiums  | [26](#ice1d0412d6264518a7139615482fa97e_112) |
| &nbsp;&nbsp;Allocations of Premium  | [26](#ice1d0412d6264518a7139615482fa97e_115) |
| &nbsp;&nbsp;Capital Protection Program  | [26](#ice1d0412d6264518a7139615482fa97e_118) |
| &nbsp;&nbsp;Accumulation Units  | [27](#ice1d0412d6264518a7139615482fa97e_121) |

---

------

---

| | |
|:---|:---|
| **TRANSFERS AND FREQUENT TRANSFER RESTRICTIONS**  | **[27](#ice1d0412d6264518a7139615482fa97e_124)** |
| &nbsp;&nbsp;Potential Limits and Conditions on Fixed Account Transfers  | [28](#ice1d0412d6264518a7139615482fa97e_127) |
| &nbsp;&nbsp;Restrictions on Transfers: Market Timing  | [29](#ice1d0412d6264518a7139615482fa97e_130) |
| **TELEPHONE AND INTERNET TRANSACTIONS**  | **[30](#ice1d0412d6264518a7139615482fa97e_133)** |
| &nbsp;&nbsp;The Basics  | [30](#ice1d0412d6264518a7139615482fa97e_136) |
| &nbsp;&nbsp;What You Can Do and How  | [30](#ice1d0412d6264518a7139615482fa97e_139) |
| &nbsp;&nbsp;What You Can Do and When  | [30](#ice1d0412d6264518a7139615482fa97e_142) |
| &nbsp;&nbsp;How to Cancel a Transaction  | [30](#ice1d0412d6264518a7139615482fa97e_145) |
| &nbsp;&nbsp;Our Procedures  | [30](#ice1d0412d6264518a7139615482fa97e_148) |
| **ACCESS TO YOUR MONEY**  | **[30](#ice1d0412d6264518a7139615482fa97e_151)** |
| &nbsp;&nbsp;&nbsp;&nbsp;Liquidity Option  | [31](#ice1d0412d6264518a7139615482fa97e_154) |
| &nbsp;&nbsp;&nbsp;&nbsp;Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") | [31](#ice1d0412d6264518a7139615482fa97e_2827) |
| &nbsp;&nbsp;&nbsp;&nbsp;Automatic Withdrawal Program  | [36](#ice1d0412d6264518a7139615482fa97e_157) |
| &nbsp;&nbsp;&nbsp;&nbsp;Suspension of Withdrawals or Transfers  | [36](#ice1d0412d6264518a7139615482fa97e_160) |
| **INCOME PAYMENTS (THE INCOME PHASE)**  | **[36](#ice1d0412d6264518a7139615482fa97e_163)** |
| &nbsp;&nbsp;Fixed Income Payments  | [37](#ice1d0412d6264518a7139615482fa97e_166) |
| &nbsp;&nbsp;Variable Income Payments  | [37](#ice1d0412d6264518a7139615482fa97e_169) |
| &nbsp;&nbsp;Income Options  | [38](#ice1d0412d6264518a7139615482fa97e_172) |
| **DEATH BENEFIT**  | **[38](#ice1d0412d6264518a7139615482fa97e_175)** |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic Death Benefit | [39](#ice1d0412d6264518a7139615482fa97e_178) |
| &nbsp;&nbsp;&nbsp;&nbsp;Earnings Protection Benefit ("EarningsMax") | [39](#ice1d0412d6264518a7139615482fa97e_2748) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add-On Death Benefit | [40](#ice1d0412d6264518a7139615482fa97e_2776) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return of Premium Guaranteed Minimum Death Benefit | [40](#ice1d0412d6264518a7139615482fa97e_181) |
| &nbsp;&nbsp;&nbsp;&nbsp;Payout Options  | [40](#ice1d0412d6264518a7139615482fa97e_184) |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-Selected Payout Options  | [41](#ice1d0412d6264518a7139615482fa97e_187) |
| &nbsp;&nbsp;&nbsp;&nbsp;Spousal Continuation Option  | [41](#ice1d0412d6264518a7139615482fa97e_190) |
| &nbsp;&nbsp;&nbsp;&nbsp;Death of Owner On or After the Income Date  | [41](#ice1d0412d6264518a7139615482fa97e_193) |
| &nbsp;&nbsp;&nbsp;&nbsp;Death of Annuitant  | [42](#ice1d0412d6264518a7139615482fa97e_196) |
| &nbsp;&nbsp;&nbsp;&nbsp;Stretch Contracts  | [42](#ice1d0412d6264518a7139615482fa97e_199) |
| **TAXES**  | **[42](#ice1d0412d6264518a7139615482fa97e_202)** |
| &nbsp;&nbsp;&nbsp;&nbsp;Contract Owner Taxation  | [42](#ice1d0412d6264518a7139615482fa97e_205) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-Qualified and Non-Qualified Contracts  | [42](#ice1d0412d6264518a7139615482fa97e_208) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Qualified Contracts – General Taxation  | [43](#ice1d0412d6264518a7139615482fa97e_211) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Qualified Contracts – Aggregation of Contracts  | [43](#ice1d0412d6264518a7139615482fa97e_214) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Qualified Contracts – Withdrawals and Income Payments  | [43](#ice1d0412d6264518a7139615482fa97e_217) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Qualified Contracts – Required Distributions  | [43](#ice1d0412d6264518a7139615482fa97e_220) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Qualified Contracts – 1035 Exchanges  | [44](#ice1d0412d6264518a7139615482fa97e_223) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-Qualified Contracts – Withdrawals and Income Payments  | [44](#ice1d0412d6264518a7139615482fa97e_226) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Withdrawals – Tax-Sheltered Annuities  | [44](#ice1d0412d6264518a7139615482fa97e_229) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Withdrawals – Roth IRAs  | [44](#ice1d0412d6264518a7139615482fa97e_232) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Death Benefits  | [44](#ice1d0412d6264518a7139615482fa97e_238) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment  | [44](#ice1d0412d6264518a7139615482fa97e_244) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diversification  | [45](#ice1d0412d6264518a7139615482fa97e_247) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Owner Control  | [45](#ice1d0412d6264518a7139615482fa97e_250) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Withholding  | [45](#ice1d0412d6264518a7139615482fa97e_253) |

---

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annuity Purchases by Nonresident Aliens and Foreign Corporations | [45](#ice1d0412d6264518a7139615482fa97e_2761) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Definition of Spouse | [45](#ice1d0412d6264518a7139615482fa97e_2587) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transfers, Assignments or Exchanges of a Contract | [45](#ice1d0412d6264518a7139615482fa97e_2582) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax Law Changes | [46](#ice1d0412d6264518a7139615482fa97e_2577) |
| &nbsp;&nbsp;&nbsp;&nbsp;Jackson Taxation  | [46](#ice1d0412d6264518a7139615482fa97e_256) |
| **OTHER INFORMATION**  | **[46](#ice1d0412d6264518a7139615482fa97e_259)** |
| &nbsp;&nbsp;&nbsp;&nbsp;Dollar Cost Averaging  | [46](#ice1d0412d6264518a7139615482fa97e_262) |
| &nbsp;&nbsp;&nbsp;&nbsp;Dollar Cost Averaging Plus (DCA+)  | [47](#ice1d0412d6264518a7139615482fa97e_265) |
| &nbsp;&nbsp;&nbsp;&nbsp;Earnings Sweep  | [47](#ice1d0412d6264518a7139615482fa97e_268) |
| &nbsp;&nbsp;&nbsp;&nbsp;Rebalancing  | [47](#ice1d0412d6264518a7139615482fa97e_271) |
| &nbsp;&nbsp;&nbsp;&nbsp;Free Look  | [47](#ice1d0412d6264518a7139615482fa97e_274) |
| &nbsp;&nbsp;&nbsp;&nbsp;Advertising  | [48](#ice1d0412d6264518a7139615482fa97e_277) |
| &nbsp;&nbsp;&nbsp;&nbsp;Modification of Your Contract  | [48](#ice1d0412d6264518a7139615482fa97e_280) |
| &nbsp;&nbsp;&nbsp;&nbsp;Confirmation of Transactions  | [48](#ice1d0412d6264518a7139615482fa97e_283) |
| &nbsp;&nbsp;&nbsp;&nbsp;Delivery of Fund Reports | [48](#ice1d0412d6264518a7139615482fa97e_2597) |
| &nbsp;&nbsp;&nbsp;&nbsp;Legal Proceedings  | [48](#ice1d0412d6264518a7139615482fa97e_286) |
| &nbsp;&nbsp;&nbsp;&nbsp;Rule 12h-7 Reliance | [48](#ice1d0412d6264518a7139615482fa97e_2602) |
| **APPENDIX A** (Funds Available Under the Contract) | **A-[1](#ice1d0412d6264518a7139615482fa97e_2610)** |
| **APPENDIX B** (Trademarks, Services Marks, and Related Disclosures)  | **B-[1](#ice1d0412d6264518a7139615482fa97e_292)** |
| **APPENDIX C** (Selling Firm Support)  | **C-[1](#ice1d0412d6264518a7139615482fa97e_295)** |
| **APPENDIX D** (GMDB Prospectus Examples) | **D-[1](#ice1d0412d6264518a7139615482fa97e_2635)** |
| **APPENDIX E** (Historical Add-On Benefit Charges) | **E-[1](#ice1d0412d6264518a7139615482fa97e_2653)** |
| **APPENDIX F** (GMAB Prospectus Examples) | **F-[1](#ice1d0412d6264518a7139615482fa97e_2855)** |
| **APPENDIX G** (Historical Add-On Benefit Rates) | **G-[1](#ice1d0412d6264518a7139615482fa97e_2861)** |
| **CONTACT US** | **H-[1](#ice1d0412d6264518a7139615482fa97e_298)** |
| **WHERE TO FIND ADDITIONAL INFORMATION** | **H-[2](#ice1d0412d6264518a7139615482fa97e_2619)** |

---

------

**GLOSSARY**

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

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

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

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

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

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

**<u>Completed Year</u>** – the succeeding 12 months from the date on which we receive a Premium payment. Completed Years specify the years from the date of receipt of the Premium and does not refer to Contract Years. If the Premium receipt date is on the Issue Date of the Contract, then Completed Year 0-1 does not include the first Contract Anniversary. The first Contract Anniversary begins Completed Year 1-2 and each successive Completed Year begins with the Contract Anniversary of the preceding Contract Year and ends the day before the next Contract Anniversary.

For example, if the Premium receipt date is other than the Issue Date or a subsequent Contract Anniversary, there is no correlation of the Contract Anniversary date and Completed Years. For example, if the Issue Date is January 15, 2026 and a Premium payment is received on February 28, 2026 then, although the first Contract Anniversary is January 15, 2027, Completed Year 0-1 for that Premium payment would begin on February 28, 2026 and end on February 27, 2027. Completed Year 1-2 for that Premium payment would begin on February 28, 2027.

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

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

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

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

**Contract Option** - one of the options offered by the Company under this Contract. The Contract Options for this product are the Fixed Account Option(s) and Investment Divisions.

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

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

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

**<u>Contract Year</u>** – the succeeding 12 months from a Contract's Issue Date and every anniversary. The first Contract Year (Contract Year 0-1) starts on the Contract's Issue Date and extends to, but does not include, the first Contract Anniversary. Subsequent Contract Years start on an anniversary date and extend to, but do not include, the next anniversary date.

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

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

**<u>Fixed Account Contract Value</u>** – the larger of the Fixed Account Minimum Value or the sum of all amounts allocated to the Fixed Account Options, reduced by the gross amount of withdrawals and transfers from the Fixed Account Options, and applicable charges and taxes, plus all interest credited to the Fixed Account Options.

**<u>Fixed Account Minimum Value</u>** – the minimum guaranteed amount of Fixed Account Contract Value. The Fixed Account Minimum Value is equal to 87.5% of all amounts allocated to the Fixed Account Options, reduced by withdrawals and transfers from the Fixed Account Options, any applicable add-on benefit charges, taxes, and a $50 annual expense allowance, accumulated at the Fixed Account minimum interest rate.

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

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

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

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

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

**<u>Investment Division</u>** – one of multiple variable options of the Separate Account to allocate your Contract's value, each of which exclusively invests in a different available Fund. The Investment Divisions are called variable because the return on investment is not guaranteed.

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

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

**<u>Latest Income Date</u>** – the Contract Anniversary on or next following the date on which the Owner attains age 95 under a non-qualified contract, or such date allowed by the Company on a non-discriminatory basis or as required by an applicable qualified plan, law or regulation.

**<u>Liquidity Option</u>** – an add-on benefit that provides for no withdrawal charges.

**<u>Market Value Adjustment</u>** – an adjustment to the Contract Value allocated to the Fixed Account that is withdrawn, transferred, or annuitized before the end of the period. No Market Value Adjustment will be applied to value withdrawn, transferred, or annuitized from the GMAB Fixed Account Option.

**<u>Owner, you or your</u>** – the natural person or legal entity entitled to exercise all rights and privileges under the Contract. Usually, but not always, the Owner is the Annuitant. The Contract allows for the naming of Joint Owners. (We do not capitalize "you" or "your" in the prospectus.) Any reference to the Owner includes any Joint Owner.

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

**<u>Rate Sheet Prospectus Supplement</u>** - a supplement to the prospectus that lists certain values currently applicable to new purchases of add-on benefits.

**<u>Remaining Premium</u>** – total Premium paid into the Contract, reduced by withdrawals of Premium, including withdrawal charges, before withdrawals are adjusted for any applicable Market Value Adjustments or charges.

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

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

**<u>Separate Account Contract Value</u>** – the sum of all amounts allocated to any of the Contract's Investment Divisions.

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

**[TO BE UPDATED BY AMENDMENT]**

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|:---|:---|:---|:---|:---|:---|
| | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| **Charges for Early Withdrawals** | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | **<u>Contract Charges- Transaction Expenses: Withdrawal Charge</u>** |
| **Transaction Charges** | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | **<u>Contract Charges- Transaction Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. | The 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- Add-On Benefit Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | &nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL FEE** | **MINIMUM** | **MINIMUM** | **MAXIMUM** |  |
| **Ongoing Fees and Expenses**<br>(annual charges) | 1. Base Contract<sup>1</sup> | 1.02% | 1.02% | 1.02% | **<u>Contract Charges- Annual Contract Expenses: Core Contract Charge</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | 2. Investment options (Fund fees and expenses)<sup>2</sup> | 0.52% | 0.52% | 2.28% | **<u>Contract Charges- Fund Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | 3. Optional benefits available for an additional charge (for a single optional benefit, if elected)<sup>3</sup> | See current Rate Sheet Prospectus Supplement | See current Rate Sheet Prospectus Supplement | See current Rate Sheet Prospectus Supplement | **<u>Contract Charges- Add-On Benefit Expenses</u>**<br>**<u>Rate Sheet Prospectus Supplement</u>** |
|  | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>.. | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>.. | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>.. | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>.. |  |
| Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges 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 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 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 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 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 that substantially increase costs**. |
|  | &nbsp;&nbsp;**LOWEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | &nbsp;&nbsp;**LOWEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | **<u>Rate Sheet Prospectus Supplement</u>** |
|  | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No add-on benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No add-on benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals |  |

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|:---|:---|:---|
| | **RISKS** | **Location in Prospectus** |
| **Risk of Loss** | You can lose money by investing in this Contract. | **<u>Principal Risks</u>** |
| **Not a<br>Short-Term Investment** | This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 5 years following your last Premium payment. They will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. | **<u>Principal Risks</u>** |
| **Risks Associated with Investment Options** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each investment option (Investment Divisions and Fixed Account Options) has its own unique risks.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Early withdrawals from a Fixed Account Option (other than the GMAB Fixed Account Option) are subject to a Market Value Adjustment.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You should review the investment options before making an investment decision. | **<u>Principal Risks</u>** |
| **Insurance Company Risks** | Any obligations (including under the Fixed Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request by visiting our website at <u>www.jackson.com</u> or by calling 1-800-644-4565. | **<u>Principal Risks</u>** |
|  | **RESTRICTIONS** |  |
| **Investments** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 25 times in a Contract Year.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Jackson may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options. | **<u>Principal Risks</u>** |
| **Optional Benefits** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not all add-on benefits are available through all broker-dealers and may vary by state or date of purchase.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We may modify or discontinue an add-on benefit at any time.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may reduce the value of certain benefits by an amount greater than the value withdrawn.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certain add-on benefits may come with investment restrictions or allocation requirements.  | **<u>Benefits Available Under the Contracts</u>** |
|  | **TAXES** |  |
| **Tax Implications** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½. | **<u>Taxes</u>** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment<br>Professional<br>Compensation** | Your financial professional or other investment professionals may receive compensation for selling this Contract to you in the form of 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>** |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is in your best interest to purchase the new contract rather than continue to own your existing Contract. | **<u>Non-Qualified Contracts - 1035 Exchanges</u>** |

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**OVERVIEW OF THE CONTRACT**

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

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

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

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

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

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

**Accumulation Phase**

During the accumulation phase, to help you accumulate assets, you can allocate your Premium payments to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a variety of Investment Divisions. Each Investment Division invests in a corresponding (mutual fund) Fund, each of which has its own investment strategies, investment adviser(s), expense ratios, and returns; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a variety of Fixed Account Options, subject to availability, which offer a guaranteed fixed interest rate for a specified period.

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

**Income Phase**

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

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

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

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

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

**Death benefits.** Your Contract includes a Basic Death Benefit that will pay your Designated Beneficiaries your Contract Value on the date we receive all required documentation from your Beneficiary. The basic death benefit is payable during the accumulation phase. You can purchase optional add-on death benefits under the Contract that provide additional death

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benefits for an additional fee. These add-on death benefits may increase the amount of money payable to your Designated Beneficiaries upon your death.

**Add-on benefits that occur during your lifetime.** For an additional fee, you can purchase the Principal Guard Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") that guarantees a minimum Contract Value at the end of a set period, regardless of the performance of the underlying investment options, subject to certain conditions. The Principal Guard GMAB requires a portion of your Contract Value be allocated to the GMAB Fixed Account Option for a set period of time, leaving you with less Contract Value to allocate to other Contract Options during that time period.

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

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

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

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

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**FEES AND EXPENSES TABLES**

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

**Fees and expenses also may apply after the Income Date. For more information, please see "Commutation Fee" on page [21](#ice1d0412d6264518a7139615482fa97e_88), and "INCOME PAYMENTS (THE INCOME PHASE)" beginning on page [36](#ice1d0412d6264518a7139615482fa97e_163).**

The first table (and footnote) describes the fees and expenses that you will pay at the time that you purchase the Contract, take withdrawals from the Contract, or transfer cash value between investment options. State premium taxes may also be deducted.

**Transaction Expenses**

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|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) |
| Completed Years Since Receipt Of Premium | 0-1 | 1-2 | 2-3 | 3-4 | 4-5 | 5+ |
| Withdrawal Charge | 6.5% | 6.0% | 5.0% | 4.0% | 3.0% | 0.0% |

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

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

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

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

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

**Annual Contract Expenses**

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| | |
|:---|:---|
| **Administrative Charges** | **Maximum**<br>**<u>Charge</u>** |
| Annual Contract Maintenance Charge<sup>1</sup> | &nbsp;&nbsp;$50 |
| **Base Contract Charges <br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Core Contract Charge<sup>2</sup> | &nbsp;&nbsp;1.00% |

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>2.</sup> This charge is reduced to 0.85% if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $250,000 ($1,000,000 for Contracts issued prior to October 21, 2024). If your Contract Value subsequently drops below $250,000 ($1,000, 0000 for Contracts issued prior to October 21, 2024) on the most recent Contract Quarterly Anniversary, the charge will be reinstated to 1.00%.

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| | |
|:---|:---|
| **Optional Benefit Charges** | |
| **Add-On Benefit Charges <br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Liquidity Option | 0.25% |
| Earnings Protection Benefit ("EarningsMax") | 0.70% |
| **Add-On Benefit Charge** <br>**(% of benefit base)** | **Maximum**<br>**<u>Charge</u>** |
| Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") | 3.00% |
| **Add-On Death Benefit Charge** <br>**(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Return of Premium Guaranteed Minimum Death Benefit  | 0.40% |

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

**Annual Fund Expenses**

**[TO BE UPDATED BY AMENDMENT]**

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

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**EXAMPLE**

**[TO BE UPDATED BY AMENDMENT]**

The table below is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses and annual Fund expenses. The Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, and assumes the most expensive combination of annual Fund expenses and add-on benefits available for an additional charge (using the maximum possible charge). Although your actual costs may be higher or lower, based on these assumptions your costs would be:

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** |
| **1 Year** | **3 Years** | **5 Years** | **10 Years** | **1 Year\*** | **3 Years** | **5 Years** | **10 Years** | **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $13143 | $24592 | $35105 | $61572 | $13143 | $19592 | $32105 | $61572 | $6643 | $19592 | $32105 | $61572 |

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\*Withdrawal charges apply to annuitizations occurring within one year of the Contract's Issue Date.

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

**FINANCIAL STATEMENTS**

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

**THE ANNUITY CONTRACT**

Your Contract is a contract between you, the Owner, and us. Your Contract is intended to help facilitate your retirement savings on a tax-deferred basis, or other long-term investment purposes, and provides for a death benefit. Purchases under tax-qualified plans should be made for other than tax deferral reasons. Tax-qualified plans provide tax deferral that does not rely on the purchase of an

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annuity contract. We will not issue a contract to someone older than age 85. Add-on benefits may have different requirements, as noted.

Your Contract Value may be allocated to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• our Fixed Account, as may be made available by us, or as may be otherwise limited by us, and

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

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

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

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

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

You can assign your Contract at any time during your lifetime, but we will not be bound until we receive written notice of the assignment (there is an assignment form). We reserve the right to refuse an assignment, and an assignment may be a taxable event. Please contact our Customer Care Center for help and more information.

The Contract is an individual flexible Premium variable and fixed deferred annuity and may be issued as an individual contract. Contracts issued in your state may provide different features and benefits than those described in this prospectus. This prospectus provides a description of the material rights and obligations under the Contract. Your Contract and any endorsements are the formal contractual agreement between you and the Company.

**JACKSON**

The obligations under the Contract (including Fixed Account obligations, death benefits, living benefits, or other benefits available under the Contract) are obligations of Jackson and are subject to Jackson's claims-paying ability and financial strength. Jackson's principal business address is 1 Corporate Way, Lansing, Michigan 48951.

**THE FIXED ACCOUNT**

*Contract Value allocated to the Fixed Account will be placed with other assets in our General Account. Unlike the Separate Account, the General Account is not segregated or insulated from the claims of the insurance company's creditors. Investors are looking to the financial strength of the insurance company for its obligations under the Contract, including, for example, guaranteed minimum death benefits. The Fixed Account is not registered with the SEC. Disclosures regarding the Fixed Account, however, may be subject to the general provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. Both the availability of, and transfers into and out of, the Fixed Account (which consists of the Fixed Account Options) may be subject to contractual and administrative requirements. For more information, please see the application, check with the financial professional helping you to purchase the Contract, or contact us at our Customer Care Center.*

**The Fixed Account Options are not available on Contracts with the optional Liquidity Option or the EarningsMax add-on death benefit.**

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

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

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

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

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

*Market Value Adjustment.* A Market Value Adjustment may apply to amounts withdrawn, transferred, or annuitized from a Fixed Account Option prior to the end of the specified period. The Market Value Adjustment reflects changes in the level of interest rates since the beginning of the Fixed Account Option period. In order to determine whether there will be a Market Value Adjustment, we first consider the base interest rate of the Fixed Account Option from which you are removing Contract Value as a withdrawal, transfer, or annuitization. As discussed above under 'Rates of Interest we Credit,' the 'base interest rate' is a rate which we declare at the time you allocate any amount to a Fixed Account Option and which we credit to that Fixed Account Option if and when such base interest rate is higher than the Fixed Account minimum interest rate. The Market Value Adjustment is based on the relationship of the base interest rate on your Fixed Account Option to the 'current new business interest rate,' which is a rate that we use solely for purposes of calculating the amount of any Market Value Adjustment. The 'current new business interest rate' is 0.25% per annum greater than the base interest rate we are then offering on new allocations to Fixed Account Options with the same duration as your Fixed Account Option. If we are not offering that duration at the time of your withdrawal, transfer, or annuitization, we will estimate a base interest rate for that duration based on the closest durations that we are then offering.

If the base interest rate available on a new Fixed Account Option at the time of your withdrawal, transfer, or annuitization is higher than the base interest rate declared at your allocation to a Fixed Account Option, a downward adjustment to the amount withdrawn, transferred, or annuitized may apply, which would reduce the amount paid, transferred, or annuitized. If the base interest rate credited to a new Fixed Account Option at the time of withdrawal, transfer, or annuitization is lower than the base interest rate declared at the

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time of your allocation to a Fixed Account Option, an upward adjustment to the amount withdrawn, transferred, or annuitized may apply, which would increase the amount paid, transferred, or annuitized. There will be no Market Value Adjustment if the two rates are the same. A Market Value Adjustment will not otherwise affect the values under your Contract.

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

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

The following example illustrates how the Fixed Account Minimum Value may affect a Market Value Adjustment on a total withdrawal. If you allocated your $10,000 initial Premium to the Fixed Account and your declared rate of interest was 3%, after one year (assuming no other transactions) your Contract Value in the Fixed Account would be $10,265. If the Fixed Account minimum interest rate was 1%, your Fixed Account Minimum Value would be $8,787.50. In this case, a Market Value Adjustment could not reduce the withdrawal by more than $1,477.50 (the difference between your Contract Value in the Fixed Account and the Fixed Account Minimum Value). For example, if you request a total withdrawal (gross amount of $10,265) and it is subject to a $1,000 negative Market Value Adjustment, the withdrawal would be adjusted to $9,265. However, if it were subject to a negative $1,500 Market Value Adjustment, the withdrawal would be adjusted to $8,787.50 (i.e. the Fixed Account Minimum Value), so that it does not invade the Fixed Account Minimum Value. Immediately after the latter withdrawal example, there will be no difference between your Contract Value in the Fixed Account and Fixed Account Minimum Value, and no negative Market Value Adjustments will apply on subsequent withdrawals until the Contract Value in the Fixed Account grows to be larger than the Fixed Account Minimum Value**.**

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

*Additional Information Concerning the One-Year Fixed Account Option.* **Transfer restrictions may be imposed limiting your ability to make transfers out of this option for at least three years, as further described below.**

If you allocate Premiums to the one-year Fixed Account Option, we may require that the amount in the one-year Fixed Account Option be automatically transferred on a monthly basis in periodic installments to your choice of Investment Divisions within 12 months of the date we received the Premium, so that at the end of the period, all amounts in the one-year Fixed Account Option will have been transferred. The amount will be determined based on the amount allocated to the one-year Fixed Account Option and the base interest rate. Charges, withdrawals and additional transfers taken from the one-year Fixed Account Option will reduce the length of time it takes to deplete the account balance. These automatic transfers will not count against the 25 free transfers in a Contract Year or any maximum on amounts transferable from the one-year Fixed Account Option that we may impose as described in numbered paragraphs 1-4 under "Transfers and Frequent Transfer Restrictions" later in this prospectus.

Interest will continue to be credited daily on the account balance remaining in the one-year Fixed Account Option as funds are automatically transferred into your choice of Investment Divisions. However, the effective yield over the 12-month automatic transfer

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period will be less than the base interest rate (or, if applicable, the Fixed Account minimum interest rate), as the applicable rate will be applied to the declining balance in the one-year Fixed Account Option.

Please also refer to "Transfers and Frequent Transfer Restrictions" beginning on page [27](#ice1d0412d6264518a7139615482fa97e_124) for information about certain restrictions, limits and requirements that may apply (or may in the future apply) to transfers to or from the Fixed Account Options. In particular, we describe certain additional restrictions that may apply with respect to transfers from the one-year Fixed Account Option, including the possibility that you might not be able to transfer all of your Contract Value out of the one-year Fixed Account Option for at least three years. Please note, the interest rate that is in effect when these restrictions are imposed will only apply for the remainder of the one–year Fixed Account Option period, and the interest rates credited thereafter for the remainder of the period the restrictions are in effect may be lower or higher. Accordingly, **before allocating any Premium payments or other Contract Value to the one year Fixed Account Option, you should consider carefully the conditions we may impose upon your use of that option.**

The **DCA+ Fixed Account Option, if available,** offers a fixed interest rate that we guarantee for a period of up to one year in connection with dollar-cost-averaging transfers to one or more of the Investment Divisions or systematic transfers to other Fixed Account Options. From time to time, we will offer special enhanced rates on the DCA+ Fixed Account Option. DCA+ Fixed Account Option is only available for new Premiums. The DCA+ Fixed Account Option is not available if you select the Liquidity Option. We provide more information about Dollar Cost Averaging, including DCA+, under "Other Information" later in this prospectus.

***The Guaranteed Minimum Accumulation Benefit (GMAB) Fixed Account Option.*** The GMAB Fixed Account Option is a limited-purpose Fixed Account Option that is available only in conjunction with the election of the GMAB add-on benefit, and cannot be independently elected. If you elect the Principal Guard GMAB add-on benefit, a specified percentage of Contract Value (the "Allocation Requirement") is required to be allocated to the GMAB Fixed Account Option for a specified period of time (the "Guarantee Term") in order to guarantee a minimum Contract Value (the "Guaranteed Amount") at the end of that Guarantee Term.

The Contract Value allocated to the GMAB Fixed Account is credited with a guaranteed interest rate that will be re-determined annually throughout the Guarantee Term. The GMAB Fixed Account interest rate is credited daily to the Contract Value allocated to the GMAB Fixed Account so long as the Contract Value is not withdrawn, transferred, or annuitized until the end of the Guarantee Term. The interest rate may vary by state but will never be less than 1%. Amounts removed from the GMAB Fixed Account will not be subject to a Market Value Adjustment; however, any amounts allocated to the GMAB Fixed Account from any other Fixed Account Option may be subject to a Market Value Adjustment. For more detailed information regarding the add-on Principal Guard GMAB, including information about what happens at the end of the Guarantee Term, please see "Principal Guard Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB")" beginning on page [23](#ice1d0412d6264518a7139615482fa97e_2817).

**THE SEPARATE ACCOUNT**

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

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

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

**INVESTMENT DIVISIONS AND FUNDS**

Your Contract Value may be allocated to no more than 99 Investment Divisions and Fixed Account Options at any one time. Each Investment Division purchases the shares of one underlying Fund (mutual fund portfolio) that has its own investment objective. The Investment Divisions are designed to offer the potential for a higher return than the Fixed Account Options. **However, this is not guaranteed. It is possible for you to lose your Contract Value allocated to any of the Investment Divisions.** If you allocate Contract Values to the Investment Divisions, the amounts you are able to accumulate in your Contract during the accumulation phase depend upon the performance of the Investment Divisions you select. The amount of the income payments you receive during the income phase also will depend, in part, on the performance of the Investment Divisions you choose for the income phase.

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This prospectus describes the Investment Divisions that we currently offer under the Contract. Certain broker-dealers selling the Contracts may limit the Investment Divisions that are available to their customers. Please contact your financial professional for a list of Investment Divisions currently available through your broker-dealer. Investment Divisions that are not available through your broker-dealer may be available through other broker-dealers, but to access them you may need to terminate your relationship with your broker-dealer and provide us with satisfactory evidence of termination. Please consider these potential limitations before purchasing the Contract.

The underlying Funds, along with their respective type, investment adviser (and any sub-adviser(s)), current expenses, and performance are listed in Appendix A. More detailed information about the Funds is available in the prospectus for the JNL Series Trust, which may be amended from time to time. The summary prospectuses for the Funds and prospectus for the JNL Series Trust may also be obtained at no charge by calling 1-800-644-4565 (Customer Care Center), by writing P.O. Box 24068, Lansing, Michigan 48909-4068, by visiting <u>www.jackson.com</u>, or by sending an email request to ProspectusRequest@jackson.com. Additional Funds and Investment Divisions may be available in the future.

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

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

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

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

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

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

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

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

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

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

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**PRINCIPAL RISKS**

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

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

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

**Short-Term Investment Risk.** The Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral, long-term income, and living benefit protections also mean that the Contract is more beneficial to investors with a long time horizon.

**Withdrawal Risk (Illiquidity Risk).** Withdrawal charges apply for up to five years after your last Premium payment. They will reduce the value of your Contract if you withdraw money during that time. If you need to make early or excess withdrawals, they could substantially reduce or even terminate the benefits available under the Contract. There may be adverse tax consequences if you make early withdrawals under the Contract. An optional Liquidity Option add-on benefit is available for a fee that eliminates withdrawal charges.

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

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

We may impose limits on the minimum and maximum amounts that you may invest or other transaction limits that may limit your use of the Contract. In addition, we reserve the right to remove Investment Divisions or substitute Funds as investment options that are available under the Contract.

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

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

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

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

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

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

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

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

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

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

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

Add-on benefits are available at issue or on your Contract Anniversary, subject to availability. If you do not elect an add-on benefit at issue, it is possible that the rates associated with your add-on benefit, including the Guarantee Percentage, may be lower than the rates you would have received if you had elected the add-on benefit at issue. It is possible that the Allocation Requirement associated with elections of the Principal Guard GMAB may be higher than the Allocation Requirement you would have received if you had elected this add-on benefit at issue. It is also possible that the charge for the add-on benefit elected on your Contract Anniversary may be higher than the charge that would have been applicable if you had elected the add-on benefit at issue. Guarantee Terms are subject to change for new elections of the Principal Guard GMAB, which means different Guarantee Term lengths may be available than those that would have been available if you had elected the add-on benefit at issue. Please note that we may make changes to which add-on benefits are available for election on your Contract Anniversary. For current availability of add-on benefits available for election post-issue, please see the most recent Post-Issue Rate Sheet Prospectus Supplement(s) at <u>www.jackson.com/product-literature-1.html</u>.

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

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

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

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

**BENEFITS AVAILABLE UNDER THE CONTRACTS**

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

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

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

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**Add-On Death Benefits Available for a Fee.**

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **MAXIMUM FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **EarningsMax** | Increases the amount of the death benefit payable at your death based on a percentage of Contract earnings, which may help offset state and federal taxes due at the time of your death.  | Maximum: 0.70%<br>(as an annualized percentage of the average daily Contract Value in the Investment Divisions) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available only at Contract issue.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The benefit cannot be terminated.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to owners age 75 or younger.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject to maximum benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On each fifth Contract Anniversary, the Guaranteed Minimum Death Benefit ("GMDB") charge may be increased.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No benefit will be paid if (i) there are no earnings in your Contract, or (ii) your spouse exercises the Spousal Continuation Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Fixed Account Options are not available if you elect EarningsMax.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Principal Guard GMAB is not available on Contracts with EarningsMax. |

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **MAXIMUM FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Return of Premium Guaranteed Minimum Death Benefit** | Changes your basic death benefit during the accumulation phase of your Contract to the greater of: (i) Contract Value as of the end of the Business Day on which we receive all required documentation from your Beneficiary; or (ii) all Premiums paid into the Contract (net of any applicable premium taxes and charges), reduced for withdrawals (including any applicable adjustments) in proportion to the reduction in the Contract Value at the time of the withdrawal. | Maximum: 0.40%<br>(as a percentage of benefit base) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to Owners age 80 or younger (85 years or younger for Contracts issued before April 27, 2026).<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may significantly reduce the value of this Return of Premium Death Benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may reduce the value of this benefit by more than the dollar amount of the withdrawal.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On each fifth Contract Anniversary, the GMDB charge may be increased.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ownership changes are allowed, but Covered Lives cannot be changed. |

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

The current annual charges for the add-on benefits are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit <u>www.jackson.com/product-literature-1.html</u>. For a list of historical add-on benefit charges, please see "Appendix E (Historical Add-On Benefit Charges)." All add-on living benefits:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• terminate when you annuitize.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• cannot be cancelled by you (except upon spousal continuation).

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Liquidity Option** | If you elect this Option, you will not pay a withdrawal charge when you make a partial or full withdrawal. This option removes the five year withdrawal charge schedule that would otherwise apply. Best if you anticipate taking or needing to take a large withdrawal that would otherwise be subject to charges under the five year withdrawal charge schedule imposed on each Premium payment. | Maximum: 0.25% <br>(as an annualized percentage of the average daily Contract Value in the Investment Divisions) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available only at Contract issue.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges are deducted daily as part of the calculation of the value of the Accumulation Units.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Principal Guard GMAB is not available on Contracts with the Liquidity Option. |

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

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

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Rebalancing** | Automatically reallocates your Contract Value among Investment Divisions and the one-year Fixed Account Option (if currently available) periodically to maintain your selected allocation percentages. | None | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rebalancing will terminate if your rebalancing program includes the one-year Fixed Account Option and we impose any transfer restrictions or requirements on the one-year Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Dollar Cost Averaging** | Automatically transfers a dollar amount or percentage of money periodically from the one-year Fixed Account Option or any of the Investment Divisions into the Investment Divisions and other Fixed Account Options. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option You may cancel your Dollar Cost Averaging program using whatever methods you use to change your allocation instructions.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Dollar Cost Averaging Plus (DCA+)** | If available, offers a fixed interest rate that we guarantee for a period of up to one year in connection with systematic transfers from the DCA+ Fixed Account Option to one or more of the Investment Divisions or other Fixed Account Options. From time to time, we will offer special enhanced rates on the DCA+ Fixed Account Option. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The DCA+ Fixed Account Option is only available for new Premiums.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A Contract Value of $15,000 is required to participate.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Earnings Sweep** | Allows you to choose to move your earnings from the source accounts (only applicable from the one-year Fixed Account Option, if currently available, and the JNL/Dreyfus Government Money Market Investment Division). |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**•** May only be added within 30 days of the issue date of your Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Capital Protection Program** | Allocates enough of your Premium to the Fixed Account Option you select to assure that the amount so allocated will equal, at the end of your selected Fixed Account Option period, your total original Premium paid. You may allocate the rest of your Premium to any Investment Division(s). |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective October 21, 2024, this benefit is no longer available for election.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If any part of the Fixed Account value is withdrawn or transferred before the end of the selected period, the value at the end of that period will not equal the original Premium. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• This program is available only if Fixed Account Options are available.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Only available at issue.  |

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**CONTRACT CHARGES**

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

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**TRANSACTION EXPENSES**

**Withdrawal Charge (not applicable for Contracts with the add-on Liquidity Option).** At any time during the accumulation phase (if and to the extent that Contract Value is sufficient to pay any remaining withdrawal charges that remain after a withdrawal), you may withdraw the following with no withdrawal charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Premiums that are no longer subject to a withdrawal charge** (Premiums in your annuity for at least five years without being withdrawn);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **earnings** (excess of your Contract Value allocated to the Investment Divisions and the Fixed Account over your Remaining Premiums allocated to those accounts); *and*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the **free withdrawal** amount. The free withdrawal is equal to **10% of Remaining Premium** during each Contract Year that would otherwise incur a withdrawal charge, *minus* earnings. The free withdrawal may be taken once or in segments throughout the Contract Year. Any amount withdrawn to satisfy a Required Minimum Distribution reduces the amount of available free withdrawal.

**We will deduct a withdrawal charge on:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• withdrawals in excess of the free withdrawal amount (the withdrawal charge is imposed only on the excess amount above the free withdrawal amount);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• withdrawals under a Contract that exceed its Required Minimum Distribution under the Internal Revenue Code (the entire amount withdrawn to fulfill your withdrawal request, including amounts necessary to pay withdrawal charges, will be subject to the withdrawal charge); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• amounts withdrawn in a total withdrawal, including amounts necessary to pay withdrawal charges.

The amount of the withdrawal charge deducted varies according to the following schedule (state variations may apply):

***Withdrawal Charge*** *(as a percentage of Remaining Premium):*

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *Completed Years since Receipt of Premium* | 0-1 | 1-2 | 2-3 | 3-4 | 4-5 | 5+ |
|  | 6.5% | 6.0% | 5.0% | 4.0% | 3.0% | 0.0% |

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Upon a partial or total withdrawal, the withdrawal charge percentage will be the lesser of the withdrawal charge percentage indicated above, or the maximum withdrawal charge percentage listed below. In either case, the withdrawal charge percentage will decrease with each year until no longer applicable.

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| | |
|:---|:---|
| Beginning on the Contract Anniversary <br>on or After the Owner Attains the Age of: | <br>Maximum Withdrawal Charge Percentage |
| 88 | 5.50% |
| 89 | 4.50% |
| 90 | 3.75% |
| 91 | 2.75% |
| 92 | 1.75% |
| 93 | 0.75% |
| 94+ | 0.00% |

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For purposes of the withdrawal charge, we treat withdrawals as coming first from earnings (which may be withdrawn free of any withdrawal charge), and then from the oldest Remaining Premium. If you request a total withdrawal, or elect to commence income payments within one year of the date your Contract was issued, the withdrawal charge is based on Remaining Premium in the Contract immediately prior to the withdrawal. Please note, any free withdrawal taken reduces both Contract Value and Remaining Premium.

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You may request a partial withdrawal as either a gross amount withdrawal or a net amount withdrawal. Your selection will have an impact on both the amount you receive and the amount of the withdrawal charge assessed on your partial withdrawal.

If you elect to receive a gross amount withdrawal, your Contract Value will be reduced by your requested withdrawal amount. Any applicable charges and adjustments, including withdrawal charges and taxes will be applied to your requested withdrawal amount and the remaining amount after deductions will be distributed to you. Therefore, you may receive less than the dollar amount you specified in your withdrawal request. If you elect to receive a net amount withdrawal, your Contract Value will be reduced by your requested withdrawal amount plus the amount needed to cover any applicable charges and adjustments, including withdrawal charges and taxes withheld. Therefore, you will receive exactly the amount specified in your withdrawal request, but your Contract Value may be reduced by more than the amount of that request. In each case, withdrawal charges, if any, will be assessed against the amount by which your Remaining Premium is reduced (excluding any amount for which the Contract expressly provides for waived or no withdrawal charges). A partial withdrawal will reduce Remaining Premium by the amount of Premium withdrawn that incurs a withdrawal charge (inclusive of the withdrawal charge amount) plus the amount of Premium withdrawn that is no longer subject to a withdrawal charge.

*Note:* Withdrawals under a non-qualified Contract will be taxable on an "income first" basis. This means that any withdrawal from a non-qualified Contract that does not exceed the accumulated income under the Contract will be taxable in full. Any withdrawals under a tax-qualified Contract will be taxable except to the extent that they are allocable to an investment in the Contract (any after-tax contributions). In most cases, there will be little or no investment in the Contract for a tax-qualified Contract because contributions will have been made on a pre-tax or tax-deductible basis.

We do <u>not</u> assess the withdrawal charge on any amounts paid out as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• income payments during your Contract's income phase (but the withdrawal charge is deducted at the Income Date if income payments are commenced in the first Contract Year);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• death benefits; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• withdrawals necessary to satisfy the Required Minimum Distribution of the Internal Revenue Code (but if the withdrawal requested exceeds the Required Minimum Distribution, then the entire amount withdrawn to fulfill your withdrawal request will be subject to the withdrawal charge).

The Withdrawal Charge compensates us for the sales expense associated with the Contracts. We may reduce or eliminate the amount of the withdrawal charge when the Contract is sold under circumstances that reduce our sales expense. Some examples are the purchase of a Contract by a large group of individuals or an existing relationship between us and a prospective purchaser. We may not deduct a withdrawal charge under a Contract issued to an officer, director, representative or employee of Jackson or any of our affiliates.

**Commutation Fee.** If you make a total withdrawal from your Contract after income payments have commenced under options 3 or 4 (see "Income Options"), the amount received will be reduced by (a) minus (b) where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) = the present value of the remaining income payments (as of the date of calculation) for the period for which payments are guaranteed to be made, discounted at the rate assumed in calculating the initial payment; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) = the present value of the remaining income payments (as of the date of calculation) for the period for which payments are guaranteed to be made, discounted at a rate no more than 1.00% higher than the rate used in (a).

The Commutation Fee compensates us for administrative costs and expenses associated with commuting the annuity payments and determining the amount to be paid.

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

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**Expedited Delivery Charge.** When you request expedited delivery of any withdrawal amounts, there are additional charges assessed for this service. The charge for standard overnight delivery is $10. The charge for overnight delivery on Saturday is $22.50.

**Wire Transfer Charge.** We charge up to $20 for standard wire transfers and $25 for international wire transfers in connection with requested withdrawals.

**Premium Taxes.** Some states and other governmental entities charge Premium taxes or other similar taxes. We pay these taxes and may make a deduction from your Contract Values for them. Premium taxes generally range from 0% to 3.5% (the amount of state Premium tax, if any, will vary from state to state). Premium tax is currently not charged back to the Contract, however, the Company reserves the right to deduct any amounts advanced to pay taxes from the Contract Value.

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

**ANNUAL CONTRACT EXPENSES**

**Core Contract Charge.** Each day, as part of our calculation of the Accumulation Unit values and Annuity Units, we make a deduction for the Core Contract Charge. On an annual basis, this charge equals **1.00%** of the average daily net asset value of your allocations to the Investment Divisions. This charge does not apply to the Fixed Account.

This charge is reduced to 0.85% if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1 million (for Contracts issued prior to October 21, 20245) or $250,000 (for Contracts issued on or after October 21, 2024). If your Contract Value subsequently drops below $1 million (for Contracts issued prior to October 21, 2024) or $250,000 (for Contracts issued on or after October 21, 2024) on the most recent Contract Quarterly Anniversary, the charge will be reinstated to 1.00%.

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

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

**ADD-ON BENEFIT EXPENSES**

**Liquidity Option Charge.** If you select the Liquidity Option, which provides for no withdrawal charges, you will pay up to a maximum of 0.25% on an annual basis of the average daily Contract Value in the Investment Divisions regardless of whether you take any withdrawals. Current annual charges are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit <u>www.jackson.com/product-literature-1.html</u>. For a list of historical add-on benefit charges, please see "Appendix E (Historical Add-On Benefit Charges)." Charges are deducted daily as part of the calculation of the Accumulation Unit values. We stop deducting this charge on the date you annuitize.

**Earnings Protection Benefit ("EarningsMax") Charge.** If you select the Earnings Protection Benefit endorsement, you may pay us a charge that equals a maximum of **0.70%** on an annual basis of the average daily net asset value of your allocations to the Investment Divisions. Current annual charges are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit <u>www.jackson.com/product-literature-1.html</u>. For a list of historical add-on benefit charges, please see "Appendix E (Historical Add-On Benefit Charges)." This charge continues if you transfer ownership of the Contract to someone who would not have been eligible for the Earnings Protection Benefit upon application (76 years old or older), even though the benefit is not payable. If your spouse elects to continue the Contract under the Spousal Continuation Option (please see "Spousal Continuation Option" on page [41](#ice1d0412d6264518a7139615482fa97e_190)), the Earnings Protection Benefit charge will cease. We stop deducting this charge on the date you annuitize.

On each fifth Contract Anniversary, we reserve the right to increase the charge percentage by 0.05% annually, subject to the applicable maximum annual charge. If the charge is to increase, a notice will be sent to you 45 days prior to the Contract Anniversary.

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You may elect to opt out of the charge increase and any future charge increases. **Upon such election, no future Premium payments will be allowed.** Such election is final, and must be received by us in Good Order prior to the Contract Anniversary.

**Guaranteed Minimum Accumulation Benefit ("Principal Guard") Charge.** The charge for this add-on benefit begins on the effective date of the add-on benefit and is expressed as an annual percentage of the Guarantee Benefit Base up to a maximum of 3.00%. For more information on the Guarantee Benefit Base, please see "Guaranteed Amount" beginning on page [32](#icc4d77da3817412d82010033673be721_148046). You pay the applicable charge each **Contract Quarter**. The actual deduction of the charge will be reflected in your quarterly statement.

We deduct the charge from your Contract Value. If the Fixed Account Contract Value is greater than the Fixed Account Minimum Value, the quarterly charge will be deducted from your allocations to the Investment Divisions and the Fixed Account Options in the same proportions that the respective allocations bear to your Contract Value until such time that the Fixed Account Contract Value has been reduced to the Fixed Account Minimum Value. If the Fixed Account Contract Value is equal to the Fixed Account Minimum Value, the charge will be deducted only from your allocations to the Investment Divisions. If no value remains in the Investment Divisions and the Fixed Account Contract Value is equal to the Fixed Account Minimum Value, the charge will not be assessed for that Contract Quarter. With the Investment Divisions, we deduct the charge by redeeming Accumulation Units rather than as part of the calculation to determine Accumulation Unit Value. While the charge is deducted from the Contract Value, it is based on the applicable percentage of the benefit base. Upon termination of the endorsement, the charge is prorated for the period since the last quarterly charge.

We stop deducting this charge on the earlier of the date that the add-on benefit is terminated, or your Contract Value is zero. Please review the current Rate Sheet Prospectus Supplement at <u>www.jackson.com/product-literature-1.html</u> to learn about the current level of the charge. For a list of historical add-on benefit charges, please see "Appendix E (Historical Add-On Benefit Charges)." Upon election of this add-on benefit, the applicable charge will be reflected in your confirmation. For more information about how the endorsement works, please see "Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB")" beginning on page [31](#ice1d0412d6264518a7139615482fa97e_2827).

**Death Benefit Charges.** There is no additional charge for the Contract's basic death benefit. However, for an additional charge, you may select the Contract's optional Return of Premium Guaranteed Minimum Death Benefit in place of the basic death benefit. Please ask your financial professional whether there are any variations on this benefit in your state or contact our Customer Care Center. Our contact information is on the cover page of this prospectus.

***Return of Premium Guaranteed Minimum Death Benefit Charge.*** If you select the Return of Premium Guaranteed Minimum Death Benefit, you will pay a maximum annual charge of 0.40% (0.10% quarterly). Current annual charges are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit <u>www.jackson.com/product-literature-1.html</u>. We deduct the charge from your Contract Value. If the Fixed Account Contract Value is greater than the Fixed Account Minimum Value, the quarterly charge will be deducted from your allocations to the Investment Divisions and the Fixed Account Options in the same proportions that the respective allocations bear to your Contract Value until such time that the Fixed Account Contract Value has been reduced to the Fixed Account Minimum Value. If the Fixed Account Contract Value is equal to the Fixed Account Minimum Value, the charge will be deducted only from your allocations to the Investment Divisions. If no value remains in the Investment Divisions and the Fixed Account Contract Value is equal to the Fixed Account Minimum Value, the charge will not be assessed for that Contract Quarter. With the Investment Divisions, we deduct the charge by canceling Accumulation Units rather than as part of the calculation to determine Accumulation Unit Value. Upon termination of the endorsement, the charge is prorated for the period since the last quarterly charge.

On each fifth Contract Anniversary, we reserve the right to increase the charge percentage by 0.05% annually (0.0125% each Contract Quarter), subject to the maximum annual charge noted above. If the GMDB charge is to increase, a notice will be sent to you 45 days prior to the Contract Anniversary. You may then elect to opt out of the current charge increase and any future charge increases. **If you elect to opt out of charge increases, no future Premium payments will be allowed.** While electing to discontinue future Premium payments will prevent an increase in charge, you will be foregoing possible increases in your GMDB so carefully consider this decision should we notify you of a charge increase. Such election is final. All elections must be received by us in Good Order prior to the Contract Anniversary.

For more information about how the add-on benefit works, including this benefit's GMDB Benefit Base, please see "Return of Premium Guaranteed Minimum Death Benefit" under "Death Benefit", beginning on page [40](#ice1d0412d6264518a7139615482fa97e_181).

**FUND EXPENSES**

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

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**DISTRIBUTION OF CONTRACTS**

Jackson National Life Insurance Company ("Jackson"), located at 1 Corporate Way, Lansing, Michigan 48951, is the issuer for this Contract. Jackson National Life Distributors LLC ("JNLD"), located at 300 Innovation Drive, Franklin, Tennessee 37067, serves as the distributor of the Contracts. JNLD also serves as distributor of other variable insurance products issued by Jackson and its subsidiaries.

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

The Contracts are offered to customers of various selling firms, broker-dealers and their affiliate insurance agencies (each a "Selling Firm," collectively "Selling Firms"). No Selling Firm has any legal responsibility to pay amounts that are owed under the Contracts. The obligations and guarantees under the Contracts are the sole responsibility of Jackson. The Selling Firms are responsible for delivery of various related disclosure documents and the accuracy of their oral description and suitable recommendation of the purchase of the Contracts.

Commissions are paid to Selling Firms that are unaffiliated with us and sell the Contracts. While commissions may vary, they are not expected to exceed 8% of any Premium payment. Where lower commissions are paid up front, trail commissions may also be paid. The Selling Firms determine the amount of the commission that will be paid to their registered representatives. The amounts paid may vary based upon the practices of each Selling Firm and may be withheld on certain transactions.

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

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

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

The alphabetical listing below details the 20 Selling Firms that received the largest amounts of marketing allowance payments and/or marketing support payments in 2023 from JNLD and/or Jackson in relation to the sale of Jackson and Jackson of NY variable insurance products. The total payments received by a Selling Firm is based on sales of all Jackson and Jackson of NY variable

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insurance products, thus a Selling Firm may appear on the list even if it is not receiving any payments with respect to sales of the Contracts. Payments to these firms ranged from approximately $324 thousand to approximately $17.0 million.

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| |
|:---|
| LPL Financial Corporation |
| Morgan Stanley Smith Barney, LLC |
| MML Investors Services / MSI Financial Services |
| Wells Fargo Advisors / Investments |
| Osaic (formerly Advisor Group) |
| UBS Financial Services, Inc. |
| Ameriprise |
| Commonwealth Financial Network |
| Raymond James & Associates, Inc. |
| Cetera Advisor Networks, LLC |
| Cambridge Investment |
| Park Avenue Securities |
| State Farm |
| Stifel Nicolaus & Co., Inc. |
| Lincoln Financial Advisors |
| Cetera Advisors, LLC |
| Transamerica Financial Services, Inc. |
| DPL (The Leader's Group) |
| Centaurus Financial |
| Kestra Financial Services (formerly NFP Securities, Inc.) |

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Please see Appendix C for a list of Selling Firms that received amounts of marketing allowance payments and/or marketing support payments in 2023 from JNLD and/or Jackson in relation to the sale of our variable insurance products. While we endeavor to update this list on an annual basis, please note that interim changes or new arrangements may not be listed and may involve substantial payments on a forward going basis.

Compensation is also paid to employees of JNLD and/or Jackson who are responsible for providing services to Selling Firms. These employees are generally referred to as "wholesalers" and may meet with Selling Firms and/or their registered representatives to provide training and sales support. The compensation paid to the wholesalers may vary based on a number of factors, including Premium payments; types of Contracts or add-on benefits (if any) sold by the Selling Firms that the wholesaler services; wholesaler performance; and overall company performance. The wholesaler may be required to achieve internally-assigned goals related to the same type of factors and may receive bonus payments for the achievement of individual and/or company-wide goals.

JNLD also has relationships with the sub-advisers to the various underlying Funds and their affiliates. JNLD receives payments from some sub-advisers to assist in defraying the costs of certain promotional and marketing meetings in which the sub-advisers participate. The amounts paid depend on the nature of the meetings, the number of meetings attended, the costs expected to be incurred and the level of the sub-adviser's participation. Our affiliated Selling Firms may have other relationships with the sub-advisers (apart from Jackson) including selling retail mutual funds managed or advised by certain sub-advisers.

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

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

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**PURCHASES**

**Minimum Initial Premium:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• $5,000 under most circumstances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• $2,000 for a qualified plan Contract

**Minimum Additional Premiums:**

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

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

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

These minimums apply to purchases, but do not preclude subsequent partial withdrawals that would reduce Contract Values below the minimum initial purchase amounts, as long as the amount left in the account is sufficient to pay the withdrawal charge. We reserve the right to limit the number of Contracts that you may purchase. 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. Any of these actions by us would limit your ability to invest in the Contract and increase your values and benefits. There is a $100 minimum balance requirement for each Investment Division and Fixed Account Option. We reserve the right to restrict availability or impose restrictions on the Fixed Account.

**Maximum Premiums:**

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

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

**Allocations of Premium.** You may allocate your Premiums to one or more of the Investment Divisions and Fixed Account Options. Each allocation must be a whole percentage between 0% and 100%. The minimum amount you may allocate to the Investment Division or a Fixed Account Option is $100. We will allocate any additional Premiums you pay in the same way unless you instruct us otherwise. Certain Allocation Requirements and restrictions apply in connection with elections of the Principal Guard GMAB. For more information please see "Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB")" beginning on page [31](#ice1d0412d6264518a7139615482fa97e_2827).

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

We will issue your Contract and allocate your first Premium within two Business Days (days when the New York Stock Exchange is open) after we receive your first Premium and all information that we require for the purchase of a Contract. If we do not receive all of the information that we require, we will contact you to get the necessary information. If for some reason we are unable to complete this process within five Business Days, we will return your money. Subsequent Premiums are allocated on the Business Day that the Premium is received. Each Business Day ends when the New York Stock Exchange closes (usually 4:00 p.m. Eastern time).

**Capital Protection Program.** 

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

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

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**The Capital Protection Program is not available on Contracts with the Liquidity Option.**

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

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

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

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

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

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

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

Charges deducted through the cancellation of units are not reflected in this computation.

The value of an Accumulation Unit may go up or down from day to day based on the performance of the Funds, expenses, and deduction of Contract charges. The value of an Accumulation Unit is determined on the basis of the per share value of an underlying Fund less applicable Separate Account charges, including any add-on benefit charges that are based on average daily Contract Value in the Investment Divisions and are deducted daily as part of the calculation of Accumulation Units. The base Contract has a different Accumulation Unit value than that of certain combinations of add-on benefits an Owner may elect, based on the differing amount of charges applied in calculating the Accumulation Unit value. We cancel Accumulation Units when we remove amounts from that Investment Division, including as a result of a partial withdrawal, transfer, total withdrawal, and certain charges we may deduct.

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

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

**TRANSFERS AND FREQUENT TRANSFER RESTRICTIONS**

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

You can make 25 transfers every Contract Year without charge.

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

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

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**Potential Limits and Conditions on Fixed Account Transfers.** There may be periods when we do not offer any Fixed Account. We can prohibit or impose limitations or other requirements on transfers to or from the Fixed Account as permitted by applicable law. The Fixed Account Options are not available if you elect the optional Liquidity Option or the EarningsMax optional death benefit.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We also may restrict your participation in any systematic investment program if you allocate any amounts to a Fixed Account Option.

**Restrictions on Transfers: Market Timing.** The Contract is not designed for frequent transfers by anyone. Frequent transfers between and among Investment Divisions may disrupt the underlying Funds and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. Frequent transfers may also dilute the value of shares of an underlying Fund. Neither the Contracts nor the underlying Funds are meant to promote any active trading strategy, like market timing. Allowing frequent transfers by one or some Owners could be at the expense of other Owners of the Contract. To protect Owners and the underlying Funds, we have policies and procedures to deter frequent transfers between and among the Investment Divisions.

Under these policies and procedures, there is a $25 charge per transfer after 25 in a Contract Year, and no round trip transfers are allowed within 15 calendar days. Also, we could restrict your ability to make transfers to or from one or more of the Investment Divisions, which possible restrictions may include, but are not limited to:

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

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

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

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

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

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

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

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

Otherwise, we do not exempt any person or class of persons from our policies and procedures. We have agreements allowing for asset allocation and investment advisory services that are not only subject to our policies and procedures, but also to additional conditions and limitations, intended to limit the potential adverse impact of these activities on other Owners of the Contract. We expect to apply our policies and procedures uniformly, but because detection and deterrence involves judgments that are inherently subjective, we cannot guarantee that we will detect and deter every Contract engaging in frequent transfers every time. If these policies and

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procedures are ineffective, the adverse consequences described above could occur. We also expect to apply our policies and procedures in a manner reasonably designed to prevent transfers that we consider to be to the disadvantage of other Owners, and we may take whatever action we deem appropriate, without prior notice, to comply with or take advantage of any state or federal regulatory requirement.

**TELEPHONE AND INTERNET TRANSACTIONS**

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

**What You Can Do and How.** You may make transfers by telephone or online if you elect to have this privilege. Any authorization you (and any Joint Owner) provide to us in an application, at our website, or through other means will authorize us to accept transaction instructions, including Investment Division transfers/allocations, by you, a Joint Owner, or your financial professional unless you notify us to the contrary. To notify us, please call us at the Customer Care Center. Our contact information is on the cover page of this prospectus and the number is referenced in your Contract or on your quarterly statement. We reserve the right to discontinue this privilege or implement additional limitations.

**What You Can Do and When.** When authorizing a transfer or one-time withdrawal, you must complete your telephone call by the close of the New York Stock Exchange (usually 4:00 p.m. Eastern time) in order to receive that day's Accumulation Unit value for an Investment Division.

Transfer instructions you send electronically are considered to be received by us at the time and date stated on the electronic acknowledgment we return to you. If the time and date indicated on the acknowledgment is before the close of the New York Stock Exchange, the instructions will be carried out that day. Otherwise the instructions will be carried out the next Business Day. We will retain permanent records of all web-based transactions by confirmation number. If you do not receive an electronic acknowledgment, you should telephone our Customer Care Center immediately.

**How to Cancel a Transaction.** You may only cancel an earlier telephonic or electronic transfer request made on the same day by calling the Customer Care Center before the New York Stock Exchange closes. Otherwise, your cancellation instruction will not be allowed because of the round trip transfer restriction.

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

We do not guarantee access to telephonic and electronic information or that we will be able to accept transaction instructions via the telephone or electronic means at all times. We also reserve the right to modify, limit, restrict, or discontinue at any time and without notice the acceptance of instruction from someone other than you and/or this telephonic and electronic transaction privilege. Elections of any add-on benefit must be in writing and will be effective on the date reflected in the applicable endorsement. Elections of any other program available under the Contract must be in writing and will be effective upon receipt of the request in Good Order by the close of the New York Stock Exchange (usually 4:00 p.m. Eastern Time), otherwise they will be effective on the next Business Day.

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

**ACCESS TO YOUR MONEY**

You can have access to the money in your Contract:

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

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

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

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

Withdrawals under the Contract may be subject to a withdrawal charge. For purposes of the withdrawal charge, we treat withdrawals as coming first from earnings (which may be withdrawn free of any withdrawal charge), and then from the oldest Remaining Premium. When you make a total withdrawal you will receive the value of your Contract as of the end of the Business Day your request is received by us in Good Order, *minus* any applicable taxes, the annual contract maintenance charge, charges due under any add-on benefit, and all applicable withdrawal charges, adjusted for any applicable Market Value Adjustment. For more information about withdrawal charges, please see "Withdrawal Charge" beginning on page [20](#ice1d0412d6264518a7139615482fa97e_79). We will pay the withdrawal proceeds within seven days of a request in Good Order. If a Premium payment made by personal check or electronic draft is received within the five days preceding a withdrawal request, we may delay payment of the withdrawal proceeds up to seven days after the date of the request, to ensure the check or electronic draft is not returned due to insufficient funds.

Generally, your withdrawal request must be submitted in writing. You may also submit withdrawal requests online or via telephone if you have provided telephone and electronic authorization according to our administrative rules. For more information, see "Telephone and Internet Transactions" beginning on page [30](#ice1d0412d6264518a7139615482fa97e_133).We will always accept written withdrawal requests submitted via facsimile. There are risks associated with not requiring original signatures in order to disburse the money. To minimize the risks, the proceeds will be sent to your last recorded address in our records, so be sure to notify us, in writing, with an original signature of any address change. We do not assume responsibility for improper disbursements if you have failed to provide us with the current address to which the proceeds should be sent.

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

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

If you have an investment adviser who, for a fee, manages your Contract Value, you may authorize payment of the fee from the Contract by requesting a partial withdrawal. There are conditions and limitations, so please contact our Customer Care Center for more information. Our contact information is on the cover page of this prospectus. We neither endorse any investment advisers, nor make any representations as to their qualifications. The fee for this service would be covered in a separate agreement between the two of you, and would be in addition to the fees and expenses described in this prospectus.

**Income taxes, tax penalties and certain restrictions may apply to any withdrawal you make. There are limitations on withdrawals from qualified plans. For more information, please see "TAXES" beginning on page [42](#ice1d0412d6264518a7139615482fa97e_202).**

**Liquidity Option.** If you elect the Liquidity Option, you will not pay a withdrawal charge when you make a partial or full withdrawal. This option must be selected at issue. This option removes the five year withdrawal charge schedule that would otherwise apply. You will pay a charge of 0.25% on an annual basis of the average net asset value of your allocations to the Investment Divisions for this option. The decision to elect the Liquidity Option should consider whether you anticipate taking or needing to take a large withdrawal that would otherwise be subject to charges under the five year withdrawal charge schedule imposed on each Premium payment. The charge for the Liquidity Option applies until the date you annuitize whether or not you take any withdrawals.

The Liquidity Option is not available in combination with elections of the Principal Guard GMAB.

**Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB").** *The following description is supplemented by the examples in Appendix F that may assist you in understanding how calculations are made in certain circumstances.*

This is a Guaranteed Minimum Accumulation Benefit which guarantees your Contract Value will be at least equal to a specified amount called the Guaranteed Amount at the end of the Guarantee Term, regardless of market performance. This add-on benefit is available to add to a Contract on the Contract's Issue Date, or on any Contract Anniversary, subject to availability. This benefit may be appropriate for those individuals who are looking for downside principal protection alongside growth opportunities in volatile markets.

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This add-on benefit is available to Owners age 85 and younger on the date on which it is added to the Contract. If the age of the Owner (if Joint Owners, the oldest Joint Owner) falls outside the allowable age range on the effective date of the add-on benefit, the add-on benefit will be null and void and all GMAB Charges will be refunded. **This add-on benefit is not available on Stretch Contracts, on Contracts where a Death Benefit payout option has been elected by a beneficiary, or Contracts that already have EarningsMax or the Liquidity Option elected. If you elect this add-on benefit, no Premium will be accepted during a Guarantee Term outside of 90 days following the Issue Date of the Contract. In addition, certain features, such as Dollar Cost Averaging, Dollar Cost Averaging Plus, Earnings Sweep, and Automatic Rebalancing have restrictions and limited functionality associated with the GMAB Fixed Account.** We may further limit the availability of this add-on benefit.

The Principal Guard GMAB may also be elected on Contracts owned by a legal entity. In such cases, the Annuitant and any Joint Annuitant must both be age 85 or younger when the add-on benefit is elected. The Annuitant (or Joint Annuitants) cannot be changed while the benefit is in effect. For trusts with beneficial Owners, the beneficial Owners must be the Annuitants on the Contract. If there are Joint Annuitants, the Principal Guard GMAB will terminate on the death of the first Joint Annuitant, unless continued by Spousal Continuation.

At election or re-election, a certain percentage of Contract Value must be allocated to the GMAB Fixed Account Option pursuant to the GMAB Allocation Requirement discussed in more detail below. The remaining Contract Value may be allocated to any other available Contract Option. If you do not provide allocation instructions for the remaining Contract Value at the time of election or re-election of this add-on benefit, we will allocate the remaining Contract Value based on the allocation instructions provided in the application (if elected at issue) or based on the most recent allocation instructions we have on file (if elected or re-elected on a Contract Anniversary, subject to availability).

***Guaranteed Amount.*** This benefit's Guaranteed Amount is the minimum Contract Value guaranteed at the end of the elected Guarantee Term. The Contract Value at the end of the Guarantee Term will not be less than the Guaranteed Amount, subject to the requirements of this add-on benefit. The Guaranteed Amount is reflected as a pre-determined percentage (the "Guarantee Percentage" or "Guarantee %") of the Guarantee Benefit Base.

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| | |
|:---|:---|
| **<u>When this GMAB is added</u>** <br>**<u>to the Contract on the Issue Date</u> –** | The **Guarantee Benefit Base** equals initial Premium net of any applicable Premium taxes, subject to a maximum of $5 million. |
| **<u>When this GMAB is added</u>** <br>**<u>to the Contract on the Issue Date</u> –** | The **Guaranteed Amount** is equal to the Guarantee % multiplied by the Guarantee Benefit Base. |

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| | |
|:---|:---|
| **<u>When this GMAB is added</u>** <br>**<u>to the Contract on any Contract Anniversary, subject to availability</u> –** | The **Guarantee Benefit Base** equals the Contract Value as of the end of the Business Day on the effective date of the GMAB add-on benefit, subject to a maximum of $5 million. |
| **<u>When this GMAB is added</u>** <br>**<u>to the Contract on any Contract Anniversary, subject to availability</u> –** | The **Guaranteed Amount** is equal to the Guarantee % multiplied by the Guarantee Benefit Base. |

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**The Guarantee Benefit Base can never be more than $5 million.** The Guarantee Benefit Base is reduced proportionally for withdrawals taken during the Guarantee Term. For more information on the impact of withdrawals, please see the subsection titled "Withdrawals" below.

There are different Guarantee Percentages available, depending upon the Guarantee Term you elect. We reserve the right to prospectively change the Guarantee Percentages on new Principal Guard GMAB elections (both at issue and when elected or re-elected on a Contract Anniversary, subject to availability). The current Guarantee Percentages are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy of the current Rate Sheet Prospectus Supplement, please visit <u>www.jackson.com/product-literature-1.html</u>. Please see "Appendix G (Historical Add-On Rates)" to view historical Guarantee Percentages. We reserve the right to prospectively restrict the availability of Guarantee Terms. Therefore, not all Guarantee Percentages may be available at the time you are interested in electing this add-on benefit. Please contact your financial professional, or contact us at our Customer Care Center, for information regarding the current availability of the Guarantee Terms and their associated Guarantee Percentages.

The Guaranteed Amount will be increased by any Premium payments made during the Guarantee Term, net of any applicable Premium taxes**.** However, please note that the only Premium payments permitted during a Guarantee Term are those Premium payments made within the first 90 days after the Contract's Issue Date when the Principal Guard GMAB is elected at issue. No

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additional Premium payments will be permitted during any Guarantee Term beginning on day 91 after your Contract's Issue Date. If elected post-issue, additional Premium will not be permitted until the end of the Guarantee Term or until the benefit terminates.

All withdrawals including any automatic withdrawals, required minimum distributions (RMDs), and Free Withdrawals will reduce the Guaranteed Amount as described in more detail below.

At the end of the Guarantee Term, if the Contract Value is less than the Guaranteed Amount, the Company will add additional funds to the Contract Value so that the Contract Value equals the Guaranteed Amount.

***Guarantee Term.*** The Guarantee Term is the time period at the end of which the Contract Value is guaranteed to equal the Guaranteed Amount. The Guarantee Term begins on the effective date of the endorsement and ends on the Contract Anniversary coinciding with the end of the selected Guarantee Term. If you select this add-on benefit when you purchase your Contract, the effective date is the Contract Issue Date. If you elect this add-on benefit on a Contract Anniversary, the effective date is the Contract Anniversary on which it is elected.

We reserve the right to prospectively change the available Guarantee Terms on new Principal Guard GMAB elections (both at issue and when elected or re-elected on a Contract Anniversary, subject to availability). The current Guarantee Terms are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy of the current Rate Sheet Prospectus Supplement, please visit <u>www.jackson.com/product-literature-1.html</u>. Please see "Appendix G (Historical Add-On Rates)" to view historical Guarantee Terms. Please contact your financial professional, or contact us at our Customer Care Center, for information regarding the current availability of the Guarantee Terms.

**This add-on benefit will automatically terminate at the end of the Guarantee Term unless a request for re-election has been received in Good Order at our Customer Care Center.**

***Allocation Requirement.*** On the effective date of your add-on benefit, we automatically allocate a specified percentage of your Premium (if elected at issue) or Contract Value (if elected on a Contract Anniversary, subject to availability) to the GMAB Fixed Account Option. This specified percentage is called the Allocation Requirement. The Allocation Requirement will not change during the Guarantee Term. The remaining Premium or Contract Value will be allocated to the Fixed Account Options and Investment Divisions based on the most recent allocation instructions that you have provided to us. If your allocation instructions include Fixed Account Options that are not available, then we will allocate those amounts to the 1-year Fixed Account Option, or, if the 1-year Fixed Account Option is not available, to the JNL/Dreyfus Government Money Market Fund. If your allocation instructions include Investment Divisions that are not available, then we will allocate those amounts to the JNL/Dreyfus Government Money Market Fund.

We reserve the right to prospectively change the Allocation Requirement on new Principal Guard GMAB elections (both at issue and when elected or re-elected on a Contract Anniversary, subject to availability). The current Allocation Requirements are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy of the current Rate Sheet Prospectus Supplement, please visit <u>www.jackson.com/product-literature-1.html</u>. Please see "Appendix G (Historical Add-On Rates)" to view historical Allocation Requirements.

***Withdrawals.*** Unless you specify otherwise, partial withdrawals (including any applicable Withdrawal Charges and Market Value Adjustments) will be taken proportionately from all Contract Options to which you are currently allocated, including the GMAB Fixed Account Option. You may request that we deduct in different proportions from any Investment Divisions or Fixed Account Options to which you are currently allocated, however, you may not request a withdrawal be deducted from the GMAB Fixed Account Option that exceeds the percentage of Contract Value currently allocated to the GMAB Fixed Account Option on the date of the withdrawal. Withdrawal Charges and Market Value Adjustments may apply to withdrawals.

Partial withdrawals (including any applicable Withdrawal Charges and Market Value Adjustments) will impact your GMAB values as follows:

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|:---|:---|
| **<u>On the date of the partial withdrawal -</u>**  | The **Guarantee Benefit Base** is equal to the Guarantee Benefit Base prior to the partial withdrawal, reduced for the withdrawal in the same proportion as the Contract Value is reduced, subject to a maximum of $5 Million. |
| **<u>On the date of the partial withdrawal -</u>**  | The **Guarantee Percentage** is unchanged. |
| **<u>On the date of the partial withdrawal -</u>**  | The **Guaranteed Amount** is equal to the Guarantee Percentage multiplied by the new post-withdrawal Guarantee Benefit Base. |

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Because the Guarantee Benefit Base is reduced proportionally by partial withdrawals, and the Guaranteed Amount is a percentage of the Guarantee Benefit Base, partial withdrawals ultimately reduce the Guaranteed Amount in the same proportion that the Contract Value was reduced on the date of the withdrawal. This means that, if the Contract Value is less than the Guaranteed Amount at the time a partial withdrawal is taken, **the partial withdrawal may reduce the Guaranteed Amount by a dollar amount that is greater than the dollar amount withdrawn, in other words, on more than a dollar-for-dollar basis**. All withdrawals including any automatic withdrawals, required minimum distributions (RMDs), and Free Withdrawals will reduce the Guaranteed Amount.

While this add-on benefit is in effect, automatic withdrawals may be taken either on a pro rata basis from all Contract Options including the GMAB Fixed Account Option, or, in the alternative, may be requested from specified Contract Options, excluding the GMAB Fixed Account Option.

***Guaranteed Minimum Accumulation Benefit Fixed Account Option.*** On the effective date of this add-on benefit, a specified percentage of your Contract Value will be allocated to the GMAB Fixed Account Option in accordance with the add-on benefit's Allocation Requirement. The GMAB Fixed Account Option is a limited-purpose Fixed Account Option and may not be independently elected. You may not transfer funds into or out of the GMAB Fixed Account Option. The Contract Value in the GMAB Fixed Account Option is credited daily with the current interest rate applicable to the GMAB Fixed Account Option so long as the Contract Value remains in the GMAB Fixed Account Option. The current interest rate applicable to the GMAB Fixed Account Option will be re-determined annually throughout the Guarantee Term, but will never be less than the Fixed Account minimum interest rate. For more information on the Fixed Account minimum interest rate, please see "The Fixed Account" beginning on page [9](#ice1d0412d6264518a7139615482fa97e_46).

Subsequent Premium (received within the first 90 days after issue of the Contract when this add-on benefit is elected at issue) will be allocated to the GMAB Fixed Account Option consistent with the Allocation Requirement in effect at the time this add-on benefit is elected. Subsequent Premiums will have the same current interest rate and Guarantee Term and will be subject to the same Allocation Requirement as the initial Premium. Subsequent Premium is not permitted during any Guarantee Term following the first 90 days after issue of your Contract when this add-on benefit is elected.

Amounts withdrawn or transferred out of the GMAB Fixed Account Option are not subject to Market Value Adjustments.

Quarterly Contract charges deducted pro-rata from all Contract Options are also deducted from the GMAB Fixed Account Option. The deduction of these charges will not reduce the Guaranteed Amount. Dollar Cost Averaging (DCA), DCA+, Earnings Sweep and Automatic Rebalancing are not available to or from the GMAB Fixed Account Option.

When this add-on benefit terminates, as described in more detail below, the Contract Value allocated to the GMAB Fixed Account Option will be reallocated based upon the most recent allocation instructions you provided to us. If your allocation instructions include Contract Options that are not available, then we will allocate those amounts to the 1-year Fixed Account Option, or, if the 1-year Fixed Account Option is not available, to the JNL/Dreyfus Government Money Market Fund.

***Re-election.*** This add-on benefit automatically terminates at the end of the Guarantee Term unless a request for re-election has been received in Good Order by our Customer Care Center. If you choose to re-elect this add-on benefit, you may choose from any available Guarantee Terms. Only one Guarantee Term may be elected at a time. We will send you notice at least 30 days prior to the end of your existing Guarantee Term reminding you of how to obtain information on the rates applicable for re-elections of the add-on benefit. Requests for re-election must be received in Good Order by the Customer Care Center by the end of the Business Day on the Contract Anniversary coinciding with the last day of your current Guarantee Term.

Upon re-election:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Contract Value will be reallocated to the GMAB Fixed Account Option on a pro rata basis from all Contract Options according to the Allocation Requirement in effect on the effective date of the re-election;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Guarantee Benefit Base will be reset to equal the Contract Value on the effective date of the re-election adjusted for any applicable MVA on amounts transferred from any Fixed Account Options, subject to a maximum of $5 Million;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Guarantee Percentage will be reset according to the Guarantee Percentage in effect for your Guarantee Term on the effective date of the re-election;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Guaranteed Amount will be reset to equal the Contract Value multiplied by the new Guarantee Percentage on the effective date of the re-election; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A new Guarantee Term will begin.

The Allocation Requirement, Guarantee Percentage, current interest rate applicable to the GMAB Fixed Account Option, and GMAB Charge will be those in effect on the effective date of re-election for the selected Guarantee Term. The effective date of re-election is the Contract Anniversary corresponding to the end of the previous Guarantee Term and the beginning of the new re-elected Guarantee Term.

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This add-on benefit may not be re-elected if any Owner (or Annuitant if owned by a legal entity) is older than 85 on the effective date of the re-election, or if the add-on benefit is no longer offered..

***Transfers.*** While this add-on benefit is in effect, transfers between Investment Divisions and Fixed Account Options are still permitted in accordance with the provisions of your Contract for the portion of Contract Value that is not required to be allocated to the GMAB Fixed Account Option. We will automatically transfer amounts to or from the GMAB Fixed Account Option, as applicable, upon election, re-election, or termination of this add-on benefit. We will not assess transfer charges on these transfers, and they will not count against the free transfers allowed in a Contract Year. With the exception of additional Premium received during the first 90 days following your Contract's Issue Date (which will be allocated as described below under "Subsequent Premium), we will not transfer funds into or out of the GMAB Fixed Account during the Guarantee Term. You may not elect to transfer funds to or from the GMAB Fixed Account Option during the Guarantee Term.

Upon re-election, the Contract Value will be reallocated to the GMAB Fixed Account Option on a pro rata basis from all Investment Divisions according to the current Allocation Requirement on the re-election effective date. Any amount allocated to the GMAB Fixed Account Option on transfers from a Fixed Account Option will be adjusted for any applicable Market Value Adjustment. If there is a Market Value Adjustment, the amount transferred will be the net amount that results in the GMAB Fixed Account Option immediately following the transfer equaling the GMAB Allocation Requirement multiplied by the Contract Value after the Market Value Adjustment is applied.

***Subsequent Premium.*** If this add-on benefit is elected on the Contract's Issue Date, all Premium received within 90 days of the Issue Date will be subject to the Allocation Requirement for the GMAB Fixed Account Option in effect on the Issue Date. All allocations to the GMAB Fixed Account Option will be added to the same GMAB Fixed Account Option. In other words, only one GMAB Fixed Account Option will exist on a single Contract at a time. As a result, these subsequent allocations will have the same interest rate and Guarantee Term end date as the initial Premium. Interest credited on subsequent Premium is credited daily from the date of receipt.

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|:---|:---|
| **<u>At the time of any permitted subsequent Premium payment -</u>**  | The **Guarantee Benefit Base** is equal to the Guarantee Benefit Base prior to the Premium payment plus the amount of the Premium payment, net of any applicable taxes, subject to a maximum of $5 Million. |
| **<u>At the time of any permitted subsequent Premium payment -</u>**  | The **Guaranteed Amount** is equal to the Guarantee Percentage multiplied by the new Guarantee Benefit Base. |
| **<u>At the time of any permitted subsequent Premium payment -</u>**  | All future **GMAB Charges** will be based on the new Guarantee Benefit Base. No retroactive adjustment will be made to previous GMAB Charges. |

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No additional Premium payments will be permitted during any Guarantee Term after 90 days following your Contract's Issue Date. We reserve the right to refuse any subsequent Premium.

***Spousal Continuation.*** Upon your death or the death of any joint Owner while the Contract is still in effect with a Contract Value greater than zero, this add-on benefit terminates without value unless the Contract is continued by your spouse. The surviving spouse may not continue the add-on benefit if they are older than 85 on the effective date of the add-on benefit.

Upon continuation of the Contract by a spousal joint Owner or spousal Beneficiary, the add-on benefit will continue unless the spouse elects to terminate it on the continuation date. Thereafter, no GMAB Charge will be assessed. If the spouse does not elect to terminate this add-on benefit on the continuation date, the add-on benefit will be continued, all add-on benefit values will be unaffected, and the end date of the current Guarantee Term will be unchanged. The GMAB may not be re-elected if the age of any Owner exceeds 85 on the effective date of re-election.

***Termination.*** This add-on benefit terminates subject to a prorated GMAB Charge assessed for the period since the last quarterly charge and all benefits cease on the earliest of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Income Date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The date of total withdrawal of Contract Value;

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In taking a total withdrawal of your Contract Value, you will receive the Contract Value less any applicable charges and adjustments and not the Guaranteed Amount you would have received under this add-on benefit.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The date of the Owner's death (or any joint Owner's death), <u>unless</u> the Beneficiary who is the Owner's spouse elects to continue the Contract with this add-on benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The continuation date if the spousal Beneficiary elects to continue the Contract without this add-on benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The end of the Guarantee Term, unless re-elected by the Owner; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The date all obligations for payment under this add-on benefit are satisfied after the Contract has terminated pursuant to the termination provisions of the Contract.

This add-on benefit may not otherwise be terminated independently from termination of the Contract.

Upon termination of this add-on benefit either at the end of the Guarantee Term or at the time of your request, the Contract Value in the GMAB Fixed Account Option will be reallocated to the Fixed Account Options and Investment Divisions based upon the most recent allocation instructions you provided to us. If your allocation instructions include Fixed Account Options that are not available, then we will allocate those amounts to the 1-year Fixed Account Option, or, if the 1-year Fixed Account Option is not available, to the JNL/Dreyfus Government Money Market Fund. If your allocation instructions include Investment Divisions that are not available, then we will allocate those amounts to the JNL/Dreyfus Government Money Market Fund.

***Contract Value is Zero.*** If, while this add-on benefit is in effect, your Contract Value is reduced to zero as the result of the deduction of charges, the Guaranteed Amount will be paid automatically to you and the add-on benefit will terminate.

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

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

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

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

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

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

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

**INCOME PAYMENTS (THE INCOME PHASE)**

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

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

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

Generally, under traditional Individual Retirement Annuities, qualified plans, and Tax-Sheltered Annuities, distributions must commence no later than April 1st of the calendar year in which you attain the applicable age as noted in the table below or the calendar year in which you retire. You do not necessarily have to annuitize your Contract to meet the minimum distribution requirements for Individual Retirement Annuities, qualified plans, and Tax-Sheltered Annuities. Distributions from Roth IRAs are not required prior to your death.

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

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

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At the Income Date, you can choose to receive fixed payments or variable payments based on the Investment Divisions. If you do not choose how to receive your income payments, your income payments will be based on the variable and fixed options that were in place on the Income Date.

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

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

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

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

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

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

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

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

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

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

**Income Options.** The Annuitant is the person whose life we look to when we make income payments (each description assumes that you are the Owner and Annuitant). The following income options may not be available in all states. Each income option is available as fixed payments or variable payments.

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

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

***Option 3*** - Life Annuity With at Least 120 or 240 Monthly Payments. This income option provides monthly payments for the Annuitant's life, but with payments continuing to the Beneficiary for the remainder of 10 or 20 years (as you select) if the Annuitant dies before the end of the selected period. If the Beneficiary does not want to receive the remaining guaranteed payments, a single lump sum may be requested, which will be equal to the present value of the remaining guaranteed payments (as of the date of calculation) discounted at an interest rate that will be no more than 1% higher than the rate used to calculate the initial payment. The calculation of the lump-sum payment results in a Commutation Fee, which is further discussed on page [21](#ice1d0412d6264518a7139615482fa97e_88).

***Option 4*** - Income for a Specified Period. This income option provides monthly payments for any number of years from 5 to 30. If the Beneficiary does not want to receive the remaining guaranteed payments, a single lump sum may be requested, which will be equal to the present value of the remaining guaranteed payments (as of the date of calculation) discounted at an interest rate that will be no more than 1% higher than the rate used to calculate the initial payment. The calculation of the lump-sum payment results in a Commutation Fee, which is further discussed on page [21](#ice1d0412d6264518a7139615482fa97e_88).

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

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

**DEATH BENEFIT**

The Contract has a basic death benefit, which is payable during the accumulation phase. Instead you may choose an add-on death benefit for an additional charge. For more information about the availability of an add-on death benefit, please see the application, check with the financial professional helping you to purchase the Contract or contact us at our Customer Care Center. Our contact information is on the first page of this prospectus. The add-on death benefits are only available at the time you apply for a Contract. In addition, once an add-on death benefit is chosen, it cannot be canceled. The add-on death benefits will terminate upon the death of the Owner.

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

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market fluctuation may cause the calculation of a Beneficiary's death benefit share to differ from the calculation of another Beneficiary's death benefit share. We will pay interest on a Beneficiary's death benefit share as required by law.

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

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

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

**Earnings Protection Benefit ("EarningsMax").** The Earnings Protection Benefit is an optional benefit that may increase the amount of the death benefit payable at your death, which may help offset state and federal taxes due upon your death. If you are 75 years of age or younger when your Contract is issued, you may elect the Earnings Protection Benefit when the Contract is issued.

If you are under the age of 70 when your Contract is issued and you elect the Earnings Protection Benefit then, the amount that will be added to the death benefit that is otherwise payable is 40% of the earnings in your Contract, subject to the limit described below.

If you are between the ages of 70 and 75 when your Contract is issued and you elect the Earnings Protection Benefit, the amount that will be added to the death benefit that is otherwise payable is 25% of the earnings in your Contract, subject to the limit described below.

For purposes of this benefit, we define earnings as the amount by which the sum of your Contract Value exceeds Remaining Premium. If the earnings amount is negative, *i.e*., the Remaining Premium is greater than your Contract Value, no Earnings Protection Benefit will be paid. In determining the maximum amount of earnings on which we will calculate your Earnings Protection Benefit, earnings shall never exceed 250% of the remaining premiums, excluding remaining premiums paid in the 12 months prior to the date of your death (other than your initial Premium if you die in the first Contract year).

Upon your death, unless your spouse continues the Contract under the Spousal Continuation Option (please see "Spousal Continuation Option" on page [41](#ice1d0412d6264518a7139615482fa97e_190)), the Earnings Protection Benefit will be paid and the Earnings Protection Benefit will terminate.

You must elect the Earnings Protection Benefit when you apply for your Contract. Once elected, the benefit may not be terminated. The Earnings Protection Benefit will terminate if the Contract is continued under the Spousal Continuation Option.

No Earnings Protection Benefit will be paid:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• if there are no earnings in your Contract; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• if your spouse exercises the Spousal Continuation Option, in which case the surviving spouse locks in the greater of the current Contract Value or the sum of base contract Death Benefit and the EarningsMax death benefit. This higher amount becomes the new contract value and will be added to the Investment Divisions.

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

Unlike the basic death benefit, this add-on death benefit may provide value on or after the Income Date. Payment under this add-on death benefit will only be made if you wait until the Latest Income Date to begin receiving income payments. If the Income Date is before the Latest Income Date, then this add-on death benefit terminates, and no death benefit is payable. However, if the Income Date is on the Latest Income Date, then the death benefit amount is equal to the Earnings Protection Benefit on the Latest Income Date.

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The Earnings Protection Benefit is not available in combination with the Principal Guard GMAB. The Earnings Protection Benefit may not be available in your state. See your financial professional for information regarding the availability of the Earnings Protection Benefit.

**Add-On Death Benefit.** An add-on death benefit is available, which is designed to protect your Contract Value from potentially poor investment performance and the impact that poor investment performance could have on the amount of the basic death benefit. Because there is an additional annual charge for this add-on death benefit, and because you cannot change your selection, please be sure that you have read about and understand the Contract's basic death benefit before selecting the add-on death benefit. The Return of Premium GMDB is available if you are 80 years of age or younger (85 years of age or younger for Contracts issued before April 27, 2026) on the Contract's Issue Date. The older you are at the time of selection, the less advantageous it would be for you to select the add-on death benefit. The add-on death benefit is subject to our administrative rules to assure appropriate use, which administrative rules may be changed, as necessary.

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

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

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

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

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

The Return of Premium GMDB Benefit Base will be determined at the end of any Business Day, and is equal to all Premiums (net of any applicable Premium tax) paid into the Contract, reduced by any withdrawals (including any applicable adjustments for such withdrawals). All adjustments will occur at the time of the withdrawal or Premium payment and all adjustments for amounts withdrawn reduce the death benefit in the same proportion that the Contract Value was reduced on the date of the withdrawal. If the Contract Value is lower than the GMDB benefit base on the date of a withdrawal, that withdrawal may reduce the GMDB benefit base by more than the dollar amount of the withdrawal. For example, if the Contract Value is $80,000 and Premium is $100,000 prior to a withdrawal of $8,000, the withdrawal will reduce Premium to $90,000 using the formula $100,000 - ($100,000 x $8,000/$80,000). **Withdrawals may prematurely reduce the value of this Return of Premium Death Benefit.**

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

**Please note that if you elect this add-on benefit, ownership changes are allowed, but Covered Lives cannot be changed.** Under this GMDB, the Original Owner and any Joint Owner are the Covered Lives. If the Owner is a legal entity, the Annuitant (and any joint Annuitant) named at election of the GMDB is a Covered Li fe.

T he above GMDB's features are supplemented by the examples in "Appendix D (GMDB Prospectus Examples)".

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• on non-qualified contracts or for spousal Beneficiaries or Eligible Designated Beneficiaries on qualified contracts, payment of the entire death benefit under an income option over the Beneficiary's lifetime or for a period not extending beyond the Beneficiary's life expectancy.

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Any portion of the death benefit not applied under an income option within one year of the Owner's death, however, must be paid within five years of the date of the Owner's death on non-qualified contracts; or

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

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

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

**Pre-Selected Payout Options.** As Owner, you may also make a predetermined selection of the death benefit payout option if your death occurs before the Income Date. However, at the time of your death, we may modify the death benefit option if the death benefit you selected exceeds the life expectancy of the Beneficiary. If this Pre-selected Death Benefit Option Election is in force at the time of your death, the payment of the death benefit may not be postponed, nor can the Contract be continued under any other provisions of this Contract. This restriction applies even if the Beneficiary is your spouse, unless such restriction is prohibited by the Internal Revenue Code. If the Beneficiary does not submit the required documentation for the death benefit to us within one year of your death, however, the death benefit must be paid, in a single lump sum, within five years of your death. The Pre-selected Death Benefit Option may not be available in your state.

**Spousal Continuation Option.** If your spouse is the Beneficiary and elects to continue the Contract in his or her own name after your death, pursuant to the Spousal Continuation Option, no death benefit will be paid at that time. Moreover, except as described below, we will contribute to the Contract a continuation adjustment, which is the amount by which the death benefit that would have been payable exceeds the Contract Value. We calculate the continuation adjustment amount using the Contract Value and death benefit as of the date we receive completed forms and due proof of death from the Beneficiary of record and the spousal Beneficiary's written request to continue the Contract (the "Continuation Date"). We will add this amount to the Contract based on the current allocation instructions at the time of your death, subject to any minimum allocation restrictions, unless we receive other allocation instructions from your spouse. The Spousal Continuation Option may not be available in your state. See your financial professional for information regarding the availability of the Spousal Continuation Option.

If your spouse continues the Contract in his/her own name under the Spousal Continuation Option, the new Contract Value will be considered the initial Premium for purposes of determining any future death benefit under the Contract.

If your spouse elects to continue the Contract, your spouse may elect to terminate any existing GMAB on the Continuation Date, and no further GMAB charges will be deducted. If your spouse does not elect to terminate a GMAB on the Continuation Date, the GMAB will continue, GMAB charges will continue to be deducted, and the GMAB may not subsequently be terminated independently from the Contract until the end of the Guarantee Term. For more information, please see "Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB")" beginning on page [31](#ice1d0412d6264518a7139615482fa97e_2827).

If your spouse elects to continue the Contract, any add-on death benefit will terminate upon the death of the Owner.

The Spousal Continuation Option is available to elect one time on the Contract. However, if you have elected the Pre-selected Death Benefit Option the Contract cannot be continued under the Spousal Continuation Option, unless preventing continuation would be prohibited by the Internal Revenue Code. The Pre-selected Death Benefit Option may not be available in your state.

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

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

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

**Stretch Contracts.** The Beneficiary of death benefit proceeds from another company's non-qualified annuity contract or the eligible Designated Beneficiary (as defined by the Internal Revenue Code and implementing regulations) of death benefit proceeds from another company's non-qualified annuity contract or plan, may use the death benefit proceeds to purchase a Contract ("Stretch Contract") from us. The Beneficiary of the prior contract or plan ("Beneficial Owner") must begin taking distributions, or must have begun taking distributions under the prior contract or plan, within one year of the decedent's death. The distributions must be taken over a period not to exceed the life expectancy of the Beneficial Owner, and the distributions must satisfy the minimum distribution requirements resulting from the decedent's death as defined by the Internal Revenue Code and implementing regulations. (See "Non-Qualified Contracts – Required Distributions" on page [43](#ice1d0412d6264518a7139615482fa97e_220).) Upon the Beneficial Owner's death, under a tax-qualified Stretch Contract, the designated Beneficiary must distribute the Contract Value on or before the end of the 10th year after the Beneficial Owner's death. We will waive withdrawal charges on any withdrawal necessary to satisfy the minimum distribution requirements. Withdrawals in excess of the minimum distribution requirements may be taken at any time, subject to applicable withdrawal charges. Non-qualified Stretch Contracts may not be available in all states.

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

**Special requirements apply to non-qualified Stretch Contracts.** All Premium payments must be received in the form of a full or partial 1035 exchange of the death benefit proceeds from a non-qualified annuity contract and other forms of Premium payments are not permitted. Joint ownership is not permitted. **Please read the Contract and accompanying endorsement carefully for more information about these and other requirements.**

**Elections of the Principal Guard GMAB are not permitted on Stretch Contracts.**

**TAXES**

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

**CONTRACT OWNER TAXATION**

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

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

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

**Non-Qualified Contracts – General Taxation.** Increases in the value of a non-qualified contract attributable to undistributed earnings are generally not taxable to the Contract Owner or the Annuitant until a distribution (either a withdrawal or an income payment) is made from the Contract. This tax deferral is generally not available under a non-qualified contract owned by a

legal entity (e.g., a corporation or certain other entities other than a trust holding the Contract as an agent for a natural person). Loans, assignments, or pledges based on a non-qualified contract are treated as distributions.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paid on or after the date you reach age 59½;

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

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

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

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

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

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

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

The requirements of (b) above can be considered satisfied if any portion of the Owner's interest which is payable to or for the benefit of a "Designated Beneficiary" is distributed over the life of such beneficiary or over a period not extending beyond the life expectancy of that beneficiary and such distributions begin within one year of that Owner's death. The Owner's "Designated Beneficiary," who

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must be a natural person, is the person designated by such Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death. However, if the Owner's "Designated Beneficiary" is the surviving spouse of the Owner, the Contract may be continued with the surviving spouse as the new Owner. A surviving spouse must meet the requirements under federal tax law to continue the contract.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• reaches age 59½;

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

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

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

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

**Withdrawals – Roth IRAs.** Subject to certain limitations, individuals may also purchase a type of non-deductible IRA annuity known as a Roth IRA annuity. Qualified distributions from Roth IRA annuities are entirely federal income tax free. A qualified distribution requires that the individual has held the Roth IRA annuity for at least five years and, in addition, that the distribution is made either after the individual reaches age 59½, on account of the individual's death or disability, or as a qualified first-time home purchase, subject to $10,000 lifetime maximum, for the individual, or for a spouse, child, grandchild or ancestor. See SAI for additional details about Roth IRAs.

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

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

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

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

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

**Owner Control.** In a Revenue Ruling issued in 2003, the Internal Revenue Service (IRS) considered certain variable annuity and variable life insurance contracts and held that the types of actual and potential control that the Contract Owners could exercise over the investment assets held by the insurance company under these variable contracts was not sufficient to cause the Contract Owners to be treated as the owners of those assets and thus to be subject to current income tax on the income and gains produced by those assets. Under the Contract, like the contracts described in the Revenue Ruling, there will be no arrangement, plan, contract or agreement between the Contract Owner and Jackson regarding the availability of a particular investment option and other than the Contract Owner's right to allocate Premiums and transfer funds among the available sub-accounts, all investment decisions concerning the sub-accounts will be made by the insurance company or an adviser in its sole and absolute discretion. See Revenue Rule 2003-91 and the SAI for additional details.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;a Required Minimum Distribution; or

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

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

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

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

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

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

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

**JACKSON TAXATION**

We reserve the right to deduct from the Contract Value any taxes attributed to the Contract and paid by us to any government entity (including, but not limited to, Premium Taxes, Federal, state and local withholding of income, estate, inheritance, other taxes required by law and any new or increased state income taxes that may be enacted into law). Premium taxes generally range from 0.5% to 3.5%, which are applicable only in certain jurisdictions. We will determine when taxes relate to the Contract.

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

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

**OTHER INFORMATION**

**Dollar Cost Averaging.** If the amount allocated to the Investment Divisions plus the amount allocated to a Fixed Account Option is at least $15,000, you can arrange to have a dollar amount or percentage of money periodically transferred automatically into the Investment Divisions and other Fixed Account Options (if currently available) (each a "Designated Option") from the one-year Fixed Account Option (if currently available) or any of the Investment Divisions (each a "Source Option"). If we impose any transfer restrictions on the one-year Fixed Account Option as discussed in numbered paragraphs 1-4 under "Transfers and Frequent Transfer Restrictions," then (i) the one-year Fixed Account Option can be used as a Source Option for Dollar Cost Averaging only with respect to new Premiums that are allocated to that Source Option, (ii) only a twelve-month Dollar Cost Averaging period may be selected, (iii) transfers out of the one-year Fixed Account Option pursuant to such Dollar Cost Averaging will not count against the maximum amount limitations we have imposed on transfers out of the one-year Fixed Account Option and (iv) transfers from that Source Option other than such scheduled transfers will not be permitted.

To the extent that Fixed Account Options are not available or are otherwise restricted from being a Dollar Cost Averaging Source Option or Designated Option, Dollar Cost Averaging will be exclusively from or to the Investment Divisions. In the case of transfers from the one-year Fixed Account Option or Investment Divisions with a less volatile unit value to the Investment Divisions, Dollar Cost Averaging can let you pay a lower average cost per unit over time than you would receive if you made a one-time purchase. Transfers from the more volatile Investment Divisions may not result in lower average costs and such Investment Divisions may not be an appropriate source of dollar cost averaging transfers in volatile markets.

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

The GMAB Fixed Account Option is not available as a source or target option in connection with this benefit.

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

**DCA+ is not available on Contracts with the Liquidity Option.** 

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

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

The GMAB Fixed Account Option is not available as a source or target option in connection with this benefit.

**Earnings Sweep.** You can choose to have your earnings transferred automatically on a monthly basis from the one-year Fixed Account Option, if currently available, and the JNL/Dreyfus Government Money Market Investment Division into other Investment Divisions and Fixed Account Options. Earnings Sweep may only be added within 30 days of the Issue Date of your Contract.

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

The GMAB Fixed Account Option is not available as a source or target option in connection with this benefit.

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

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

The GMAB Fixed Account Option is not available as a source or target option in connection with this benefit.

**Free Look.** You may return your Contract to the selling agent or us within ten days (or longer if required by your state) after receiving it. We will return

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Premiums paid to the Fixed Account, less any withdrawals from the Fixed Account, *plus*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Separate Account Contract Value, *plus*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• any fees and expenses deducted from the Premiums.

We will determine the Contract Value in the Investment Divisions as of the date we receive the Contract (subject to State variations). We will return Premium payments where required by law. We will pay the applicable free look proceeds within seven days of a request in Good Order. If a Premium payment made by personal check or electronic draft is received within the five days preceding a

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free look request, we may delay payment of the free look proceeds up to seven days after the date of the request, to ensure the check or electronic draft is not returned due to insufficient funds. In some states, we are required to hold the Premiums of a senior citizen in the Fixed Account during the free look period, unless we are specifically directed to allocate the Premiums to the Investment Divisions. State laws vary; your free look rights will depend on the laws of the state in which you purchased the Contract.

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

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

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

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

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

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

**Modification of Your Contract.** Only our President, Vice President, Secretary or Assistant Secretary may approve a change to or waive a provision of your Contract. Any change or waiver must be in writing. We may change the terms of your Contract without your consent in order to comply with changes in any applicable provisions or requirements of the Internal Revenue Code.

**Confirmation of Transactions.** We will provide you a written statement confirming that a financial transaction, such as a Premium payment, withdrawal, or transfer has been completed. This confirmation statement will provide details about the transaction. Certain transactions which are made on a periodic or systematic basis will be confirmed in a quarterly statement only.

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

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

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

**Rule 12h-7 Reliance.** Jackson is relying on Securities and Exchange Commission ("SEC") Rule 12h-7, which exempts insurance companies from filing periodic reports under the Securities Exchange Act of 1934 with respect to variable annuity contracts that are registered under the Securities Act of 1933 and regulated as insurance under state law.

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**APPENDIX A**

**FUNDS AVAILABLE UNDER THE CONTRACT** 

**[TO BE UPDATED BY AMENDMENT]**

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 1-800-644-4565 or by sending an email request to ProspectusRequest@jackson.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/American Funds Balanced Fund**<sup>1</sup> |  |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000004694 | 0.90%² | 16.05% | 7.93% | 7.41% |
| Fixed Income | **JNL/American Funds Bond Fund of America Fund**<sup>1</sup> |  |  |  |  |  |
| Fixed Income | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000225794 | 0.83%² | 0.87% | N/A | N/A |
| Allocation | **JNL/American Funds Capital Income Builder Fund**<sup>1</sup> |  |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000202635 | 0.96%² | 9.77% | 5.58% | N/A |
| Fixed Income | **JNL/American Funds Capital World Bond Fund**<sup>1</sup> |  |  |  |  |  |
| Fixed Income | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000085347 | 1.05%² | (3.34)% | (2.73)% | (0.39)% |
| International/Global Equity | **JNL/American Funds Global Growth Fund**<sup>1</sup> |  |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000218222 | 1.06%² | 13.23% | 9.37% | 10.40% |
| International/Global Equity | **JNL/American Funds Global Small Capitalization Fund**<sup>1</sup> |  |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000085349 | 1.23%² | 2.05% | 2.67% | 5.47% |
| U.S. Equity | **JNL/American Funds Growth Fund**<sup>1</sup> |  |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000218225 | 0.91%² | 31.26% | 18.46% | 16.19% |
| U.S. Equity | **JNL/American Funds Growth-Income Fund**<sup>1</sup> |  |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000085351 | 0.91%² | 23.75% | 12.59% | 11.77% |
| International/Global Equity | **JNL/American Funds International Fund**<sup>1</sup> |  |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000085354 | 1.17%² | 2.74% | 0.84% | 3.61% |
| International/Global Equity | **JNL/American Funds New World Fund**<sup>1</sup> |  |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM)</sup> | C000085355 | 1.26%² | 6.09% | 4.08% | 5.78% |
| U.S. Equity | **JNL/American Funds**<sup>®</sup> **Washington Mutual Investors Fund**<sup>1</sup> |  |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | C000085345 | 0.91%² | 18.64% | 11.76% | 9.86% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Alternative | **JNL Multi-Manager Alternative Fund** |  |  |  |  |  |
| Alternative | (Boston Partners Global Investors, Inc.; DoubleLine Capital LP; First Pacific Advisors, LP; Kayne Anderson Rudnick Investment Management, LLC; Lazard Asset Management LLC; Loomis, Sayles & Company, L.P.; and Westchester Capital Management, LLC) | C000153487 | 2.22%² | 9.59% | 3.85% | N/A |
| International/Global Equity | **JNL Multi-Manager Emerging Markets Equity Fund** |  |  |  |  |  |
| International/Global Equity | (GQG Partners LLC, Kayne Anderson Rudnick Investment Management, LLC; T. Rowe Price Associates, Inc. (Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited); and WCM Investment Management, LLC) | C000029600 | 1.23% | 4.58% | (0.98)% | 1.34% |
| Fixed Income | **JNL Multi-Manager Floating Rate Income Fund** |  |  |  |  |  |
| Fixed Income | (PPM America, Inc.; FIAM LLC) | C000095821 | 0.93% | 8.13% | 3.98% | 3.77% |
| International/Global Equity | **JNL Multi-Manager International Small Cap Fund** |  |  |  |  |  |
| International/Global Equity | (Baillie Gifford Overseas Limited; Causeway Capital Management LLC; and WCM Investment Management, LLC) | C000202637 | 1.22% | 4.98% | 6.45% | N/A |
| U.S. Equity | **JNL Multi-Manager Mid Cap Fund** |  |  |  |  |  |
| U.S. Equity | (Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; Nuance Investments, LLC; and Victory Capital Management Inc.) | C000172890 | 1.09% | 6.97% | 7.39% | N/A |
| U.S. Equity | **JNL Multi-Manager Small Cap Growth Fund** |  |  |  |  |  |
| U.S. Equity | (BAMCO, Inc.; Driehaus Capital Management LLC; Granahan Investment Management, Inc.; Kayne Anderson Rudnick Investment Management, LLC; Segall Bryant & Hamill, LLC; Victory Capital Management Inc.; and WCM Investment Management, LLC) | C000004683 | 0.98% | 9.66% | 5.79% | 8.50% |
| U.S. Equity | **JNL Multi-Manager Small Cap Value Fund** |  |  |  |  |  |
| U.S. Equity | (Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; and WCM Investment Management, LLC) | C000004705 | 1.09% | 9.46% | 8.63% | 7.24% |
| U.S. Equity | **JNL Multi-Manager U.S. Select Equity Fund** |  |  |  |  |  |
| U.S. Equity | (GQG Partners LLC and WCM Investment Management, LLC) | C000239073 | 0.98% | 35.25% | N/A | N/A |
| Allocation | **JNL Moderate ETF Allocation Fund** |  |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | C000218214 | 0.82% | 6.79% | 3.53% | 4.27% |
| Allocation | **JNL Moderate Growth ETF Allocation Fund** |  |  |  |  |  |
| Allocation | (Jackson National Asset Management, LLC) | C000218217 | 0.82% | 9.10% | 5.26% | 5.79% |
| Allocation | **JNL Growth ETF Allocation Fund** |  |  |  |  |  |
| Allocation | (Jackson National Asset Management, LLC) | C000218218 | 0.83% | 11.26% | 6.76% | 7.10% |
| Allocation | **JNL/American Funds Moderate Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000252141 | 0.97% | N/A | N/A | N/A |
| Allocation | **JNL/American Funds Moderate Growth Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000111243 | 0.98% | 9.66% | 5.91% | 6.47% |
| Allocation | **JNL/American Funds Growth Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000111244 | 0.99% | 12.80% | 7.80% | 8.26% |
| International/Global Equity | **JNL/AB Sustainable Global Thematic Fund** |  |  |  |  |  |
| International/Global Equity | (AllianceBernstein L.P.) | C000234521 | 1.21% | 6.11% | N/A | N/A |
| U.S. Equity | **JNL/AQR Large Cap Defensive Style Fund** |  |  |  |  |  |
| U.S. Equity | (AQR Capital Management, LLC) | C000210327 | 0.86% | 15.32% | 9.71% | N/A |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/BlackRock Global Allocation Fund** |  |  |  |  |  |
| Allocation | (BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited) | C000090917 | 1.06% | 9.38% | 6.10% | 5.49% |
| Alternative | **JNL/BlackRock Global Natural Resources Fund** |  |  |  |  |  |
| Alternative | (BlackRock International Limited) | C000039480 | 0.99% | (3.58)% | 8.74% | 3.07% |
| U.S. Equity | **JNL/BlackRock Large Cap Select Growth Fund** |  |  |  |  |  |
| U.S. Equity | (BlackRock Investment Management, LLC) | C000004653 | 0.83%² | 31.48% | 15.31% | 14.63% |
| International/Global Equity | **JNL/Causeway International Value Select Fund** |  |  |  |  |  |
| International/Global Equity | (Causeway Capital Management LLC) | C000004631 | 0.97% | 4.49% | 7.45% | 5.71% |
| U.S. Equity | **JNL/ClearBridge Large Cap Growth Fund** |  |  |  |  |  |
| U.S. Equity | (ClearBridge Investments, LLC) | C000192056 | 0.93% | 27.55% | 14.50% | N/A |
| Sector Equity | **JNL/Cohen & Steers U.S. Realty Fund** |  |  |  |  |  |
| Sector Equity | (Cohen & Steers Capital Management, Inc.) | C000202639 | 1.03% | 4.46% | 3.28% | N/A |
| International/Global Equity | **JNL/DFA International Core Equity Fund** |  |  |  |  |  |
| International/Global Equity | (Dimensional Fund Advisors LP) | C000210331 | 0.90% | 3.94% | 4.70% | N/A |
| U.S. Equity | **JNL/DFA U.S. Core Equity Fund** |  |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | C000004672 | 0.80% | 20.40% | 12.80% | 11.35% |
| U.S. Equity | **JNL/DFA U.S. Small Cap Fund** |  |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | C000218178 | 0.98% | 9.24% | 9.67% | 8.24% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Core Fixed Income Fund** |  |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | C000004643 | 0.78% | 2.29% | (0.32)% | 1.39% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Emerging Markets Fixed Income Fund** |  |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | C000166582 | 1.08% | 6.82% | 0.62% | N/A |
| U.S. Equity | **JNL/DoubleLine**<sup>®</sup> **Shiller Enhanced CAPE**<sup>®</sup> **Fund** |  |  |  |  |  |
| U.S. Equity | (DoubleLine Capital LP) | C000159263 | 0.98% | 13.06% | 9.44% | N/A |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Total Return Fund** |  |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | C000218180 | 0.83% | 2.56% | (0.85)% | 1.07% |
| Fixed Income | **JNL/Dreyfus Government Money Market Fund** |  |  |  |  |  |
| Fixed Income | (Mellon Investments Corporation) | C000004654 | 0.56% | 4.77% | 2.04% | 1.29% |
| Fixed Income | **JNL/Fidelity Institutional Asset Management**<sup>®</sup> **Total Bond Fund** |  |  |  |  |  |
| Fixed Income | (FIAM LLC) | C000004648 | 0.79% | 1.76% | 0.23% | 1.39% |
| Alternative | **JNL/First Sentier Global Infrastructure Fund** |  |  |  |  |  |
| Alternative | (First Sentier Investors (Australia) IM Ltd) | C000106863 | 1.14% | 5.64% | 2.55% | 3.11% |
| Allocation | **JNL/Franklin Templeton Income Fund** |  |  |  |  |  |
| Allocation | (Franklin Advisers, Inc.) | C000029596 | 0.92% | 6.38% | 4.95% | 5.09% |
| U.S. Equity | **JNL/Goldman Sachs 4 Fund** |  |  |  |  |  |
| U.S. Equity | (Goldman Sachs Asset Management, L.P) | C000054128 | 0.70% | 19.21% | 11.46% | 9.31% |
| International/Global Equity | **JNL/GQG Emerging Markets Equity Fund** |  |  |  |  |  |
| International/Global Equity | (GQG Partners LLC) | C000192058 | 1.33% | 5.03% | 6.59% | N/A |
| U.S. Equity | **JNL/Invesco Diversified Dividend Fund** |  |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | C000192060 | 0.98% | 12.59% | 7.42% | N/A |
| International/Global Equity | **JNL/Invesco Global Growth Fund** |  |  |  |  |  |
| International/Global Equity | (Invesco Advisers, Inc.) | C000004641 | 0.97% | 15.83% | 9.33% | 9.68% |
| U.S. Equity | **JNL/Invesco Small Cap Growth Fund** |  |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | C000004650 | 1.04% | 16.72% | 7.29% | 8.20% |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/JPMorgan Global Allocation Fund** |  |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | C000138276 | 1.06%² | 8.36% | 3.76% | 4.35% |
| Alternative | **JNL/JPMorgan Hedged Equity Fund** |  |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | C000202641 | 0.96% | 17.86% | 9.92% | N/A |
| U.S. Equity | **JNL/JPMorgan MidCap Growth Fund** |  |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | C000004704 | 0.89% | 14.12% | 10.99% | 11.61% |
| Alternative | **JNL/JPMorgan Nasdaq**<sup>®</sup> **Hedged Equity Fund** |  |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | C000252145 | 1.00% | N/A | N/A | N/A |
| Fixed Income | **JNL/JPMorgan U.S. Government & Quality Bond Fund** |  |  |  |  |  |
| Fixed Income | (J.P. Morgan Investment Management Inc.) | C000004649 | 0.70% | 1.15% | (0.52)% | 0.85% |
| U.S. Equity | **JNL/JPMorgan U.S. Value Fund** |  |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | C000039493 | 0.88% | 14.72% | 8.26% | 7.09% |
| International/Global Equity | **JNL/Lazard International Quality Growth Fund** |  |  |  |  |  |
| International/Global Equity | (Lazard Asset Management LLC) | C000218182 | 1.06% | 0.59% | 3.17% | 4.98% |
| International/Global Equity | **JNL/Loomis Sayles Global Growth Fund** |  |  |  |  |  |
| International/Global Equity | (Loomis, Sayles & Company, L.P.) | C000202644 | 1.00% | 22.45% | 11.90% | N/A |
| Fixed Income | **JNL/Lord Abbett Short Duration Income Fund** |  |  |  |  |  |
| Fixed Income | (Lord, Abbett & Co. LLC) | C000218177 | 0.80% | 5.10% | N/A | N/A |
| U.S. Equity | **JNL/Mellon Dow**<sup>SM</sup> **Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000218193 | 0.65% | 14.21% | 9.82% | 10.86% |
| International/Global Equity | **JNL/Mellon Emerging Markets Index Fund**<sup>3</sup> |  |  |  |  |  |
| International/Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | C000102953 | 0.77%² | 5.56% | 1.10% | 2.97% |
| International/Global Equity | **JNL/Mellon World Index Fund** |  |  |  |  |  |
| International/Global Equity | (Mellon Investments Corporation) | C000218195 | 0.65% | 18.04% | 10.82% | 8.72% |
| U.S. Equity | **JNL/Mellon Nasdaq**<sup>®</sup> **100 Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000218197 | 0.64% | 25.09% | 19.43% | 17.07% |
| U.S. Equity | **JNL/Mellon S&P 500 Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000004634 | 0.52% | 24.39% | 13.95% | 12.53% |
| U.S. Equity | **JNL/Mellon S&P 400 MidCap Index Fund**<sup>3</sup> |  |  |  |  |  |
| U.S. Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | C000004635 | 0.56%² | 13.34% | 9.74% | 9.10% |
| U.S. Equity | **JNL/Mellon Small Cap Index Fund**<sup>3</sup> |  |  |  |  |  |
| U.S. Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | C000004636 | 0.56%² | 8.03% | 7.78% | 8.18% |
| International/Global Equity | **JNL/Mellon International Index Fund**<sup>3</sup> |  |  |  |  |  |
| International/Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | C000004637 | 0.61%² | 2.92% | 4.25% | 4.83% |
| Fixed Income | **JNL/Mellon Bond Index Fund**<sup>3</sup> |  |  |  |  |  |
| Fixed Income | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | C000004638 | 0.57%² | 0.70% | (0.88)% | 0.74% |
| U.S. Equity | **JNL/Mellon U.S. Stock Market Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000192075 | 0.61% | 23.39% | 13.36% | N/A |
| Sector Equity | **JNL/Mellon Communication Services Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000218201 | 0.65% | 38.44% | 12.56% | 10.95% |
| Sector Equity | **JNL/Mellon Consumer Discretionary Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000218202 | 0.64% | 24.70% | 14.81% | 13.12% |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Sector Equity | **JNL/Mellon Consumer Staples Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000192048 | 0.65% | 13.52% | 7.48% | N/A |
| Sector Equity | **JNL/Mellon Energy Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000218204 | 0.64% | 5.96% | 11.60% | 3.55% |
| Sector Equity | **JNL/Mellon Financial Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000218207 | 0.64% | 30.37% | 10.52% | 10.55% |
| Sector Equity | **JNL/Mellon Healthcare Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000218209 | 0.63% | 2.02% | 6.65% | 8.25% |
| Sector Equity | **JNL/Mellon Industrials Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000192052 | 0.66% | 15.72% | 11.74% | N/A |
| Sector Equity | **JNL/Mellon Information Technology Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000218210 | 0.61% | 35.27% | 22.98% | 20.88% |
| Sector Equity | **JNL/Mellon Materials Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000192050 | 0.67% | (2.32)% | 8.44% | N/A |
| Sector Equity | **JNL/Mellon Real Estate Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000192054 | 0.66% | 4.34% | 2.37% | N/A |
| Sector Equity | **JNL/Mellon Utilities Sector Fund** |  |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | C000124095 | 0.65% | 25.69% | 6.20% | 7.94% |
| U.S. Equity | **JNL/MFS Mid Cap Value Fund** |  |  |  |  |  |
| U.S. Equity | (Massachusetts Financial Services Company (d/b/a MFS Investment Management)) | C000004629 | 0.95% | 13.91% | 9.55% | 7.87% |
| Alternative | **JNL/Morningstar PitchBook Listed Private Equity Index Fund** |  |  |  |  |  |
| Alternative | (Mellon Investments Corporation) | C000225795 | 0.81% | 21.11% | N/A | N/A |
| U.S. Equity | **JNL/Morningstar SMID Moat Focus Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000248333 | 0.76% | N/A | N/A | N/A |
| U.S. Equity | **JNL/Morningstar U.S. Sustainability Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000179076 | 0.71% | 20.44% | 13.82% | N/A |
| U.S. Equity | **JNL/Morningstar Wide Moat Index Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000202645 | 0.75% | 10.51% | 12.12% | N/A |
| Alternative | **JNL/Neuberger Berman Commodity Strategy Fund** |  |  |  |  |  |
| Alternative | (Neuberger Berman Investment Advisers LLC) | C000218185 | 0.93% | 6.27% | 8.77% | 3.14% |
| Alternative | **JNL/Neuberger Berman Gold Plus Strategy Fund** |  |  |  |  |  |
| Alternative | (Neuberger Berman Investment Advisers LLC) | C000234523 | 1.23% | 24.86% | N/A | N/A |
| Fixed Income | **JNL/Neuberger Berman Strategic Income Fund** |  |  |  |  |  |
| Fixed Income | (Neuberger Berman Investment Advisers LLC) | C000111249 | 0.94% | 5.53% | 2.56% | 3.05% |
| U.S. Equity | **JNL/Newton Equity Income Fund** |  |  |  |  |  |
| U.S. Equity | (Newton Investment Management North America, LLC) | C000218220 | 0.87% | 17.04% | 12.77% | 11.07% |
| Fixed Income | **JNL/PIMCO Income Fund** |  |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | C000192062 | 1.15% | 4.63% | 2.24% | N/A |
| Fixed Income | **JNL/PIMCO Investment Grade Credit Bond Fund** |  |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | C000218187 | 1.16% | 2.75% | 0.08% | 2.35% |
| Fixed Income | **JNL/PIMCO Real Return Fund** |  |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | C000029602 | 1.34% | 2.04% | 1.91% | 2.04% |
| Fixed Income | **JNL/PPM America High Yield Bond Fund** |  |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | C000004647 | 0.75% | 7.93% | 3.63% | 4.27% |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **JNL/PPM America Investment Grade Credit Fund** |  |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | C000248335 | 0.83% | N/A | N/A | N/A |
| Fixed Income | **JNL/PPM America Total Return Fund** |  |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | C000166583 | 0.79% | 2.06% | 0.31% | 1.87% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Fundamental U.S. Small Cap Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000210334 | 0.67% | 10.72% | 9.56% | 5.60% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Multi-Factor U.S. Equity Fund** |  |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | C000210333 | 0.67% | 18.64% | 11.19% | 8.84% |
| Allocation | **JNL/T. Rowe Price Balanced Fund** |  |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Advisers: T. Rowe Price Investment Management, Inc.; T. Rowe Price Australia Limited; and T. Rowe Price International Ltd) | C000138280 | 0.97%² | 11.56% | 6.37% | 5.88% |
| Allocation | **JNL/T. Rowe Price Capital Appreciation Fund** |  |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | C000218189 | 0.97%² | 12.30% | 10.16% | 10.09% |
| U.S. Equity | **JNL/T. Rowe Price Capital Appreciation Equity Fund** |  |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | C000252143 | 1.00%² | N/A | N/A | N/A |
| U.S. Equity | **JNL/T. Rowe Price Growth Stock Fund** |  |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | C000004656 | 0.83%² | 29.95% | 13.04% | 13.60% |
| U.S. Equity | **JNL/T. Rowe Price Mid-Cap Growth Fund** |  |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | C000004657 | 0.98%² | 9.17% | 7.32% | 9.89% |
| Fixed Income | **JNL/T. Rowe Price Short-Term Bond Fund** |  |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.) | C000029598 | 0.72%² | 4.65% | 1.62% | 1.61% |
| Fixed Income | **JNL/T. Rowe Price U.S. High Yield Fund** |  |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | C000166581 | 0.94%² | 8.04% | 2.55% | N/A |
| U.S. Equity | **JNL/T. Rowe Price Value Fund** |  |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | C000004658 | 0.87%² | 14.84% | 10.19% | 9.12% |
| Allocation | **JNL/Vanguard Moderate ETF Allocation Fund** |  |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | C000192068 | 0.70% | 7.14% | 3.41% | N/A |
| Allocation | **JNL/Vanguard Moderate Growth ETF Allocation Fund** |  |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | C000192078 | 0.69% | 9.59% | 5.10% | N/A |
| Allocation | **JNL/Vanguard Growth ETF Allocation Fund** |  |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | C000192080 | 0.68% | 11.84% | 6.73% | N/A |
| International/Global Equity | **JNL/WCM China Quality Growth Fund** |  |  |  |  |  |
| International/Global Equity | (WCM Investment Management, LLC) | C000234525 | 1.36% | (0.82)% | N/A | N/A |
| International/Global Equity | **JNL/WCM Focused International Equity Fund** |  |  |  |  |  |
| International/Global Equity | (WCM Investment Management, LLC) | C000218191 | 1.10% | 7.10% | 6.57% | 9.12% |
| Alternative | **JNL/Westchester Capital Event Driven Fund** |  |  |  |  |  |
| Alternative | (Westchester Capital Management, LLC) | C000153492 | 1.83% | 4.79% | 3.38% | N/A |
| International/Global Equity | **JNL/William Blair International Leaders Fund** |  |  |  |  |  |
| International/Global Equity | (William Blair Investment Management, LLC) | C000004630 | 0.97% | (0.95)% | 0.24% | 2.76% |
| Allocation | **JNL/WMC Balanced Fund** |  |  |  |  |  |
| Allocation | (Wellington Management Company LLP) | C000004651 | 0.71% | 14.64% | 7.48% | 7.59% |
| U.S. Equity | **JNL/WMC Equity Income Fund** |  |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | C000192064 | 0.89% | 12.54% | 9.23% | N/A |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | | **<u>Current Expenses</u>** | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) | **Average Annual Total Returns** <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*</u>**<br>**<u>(and Sub-Adviser, if applicable)</u>**<br>\*The investment manager for each Fund is Jackson National Asset Management, LLC | **<u>Class ID Number</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Sector Equity | **JNL/WMC Global Real Estate Fund** |  |  |  |  |  |
| Sector Equity | (Wellington Management Company LLP) | C000004639 | 1.03% | 5.63% | (1.40)% | 1.80% |
| U.S. Equity | **JNL/WMC Value Fund** |  |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | C000004655 | 0.79% | 10.88% | 8.24% | 7.96% |
| Allocation | **JNL/JPMorgan Managed Conservative Fund** |  |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | C000004659 | 1.10% | 4.66% | 1.83% | 2.75% |
| Allocation | **JNL/JPMorgan Managed Moderate Fund** |  |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | C000004660 | 1.10% | 7.07% | 3.77% | 4.47% |
| Allocation | **JNL/JPMorgan Managed Moderate Growth Fund** |  |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | C000004662 | 1.09% | 9.74% | 5.74% | 6.17% |
| Allocation | **JNL/JPMorgan Managed Growth Fund** |  |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | C000004663 | 1.10% | 12.36% | 7.65% | 8.03% |
| Allocation | **JNL/JPMorgan Managed Aggressive Growth Fund** |  |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | C000004664 | 1.11% | 13.64% | 8.59% | 8.82% |
| Allocation | **JNL Conservative Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000218198 | 1.22% | 5.56% | 2.24% | 3.04% |
| Allocation | **JNL Moderate Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000218212 | 1.21% | 7.64% | 4.18% | 4.47% |
| Allocation | **JNL Moderate Growth Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000039495 | 1.20% | 9.17% | 5.39% | 5.76% |
| Allocation | **JNL Growth Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000039496 | 1.17% | 10.60% | 6.48% | 6.76% |
| Allocation | **JNL Aggressive Growth Allocation Fund** |  |  |  |  |  |
| Allocation |  | C000039497 | 1.14% | 11.93% | 7.38% | 7.49% |

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| | |
|:---|:---|
| 1 | Capital Research and Management Company is the investment adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. |
| 2 | The Fund's current expenses reflect temporary fee reductions. |
| 3 | Mellon Investments Corporation is the investment sub-adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. |

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**APPENDIX B**

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

**[TO BE UPDATED BY AMENDMENT]**

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

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

Fidelity Institutional Asset Management is a registered service mark of FMR LLC. Used with permission.

The "Dow Jones Industrial Average" is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Jackson National Life Insurance Company and its Affiliates (collectively, "Jackson"). Standard & Poor's<sup>®</sup> and S&P<sup>®</sup> are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); DJIA<sup>®</sup>, The Dow<sup>®</sup>, Dow Jones<sup>®</sup> and Dow Jones Industrial Average™ are trademarks of Dow Jones Trademark Holdings, LLC ("Dow Jones"); and have been licensed to SPDJI and have been sub-licensed for use for certain purposes by Jackson. The JNL/Mellon Dow<sup>SM</sup> Index Fund is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, expressed or implied, to the owners of the JNL/Mellon Dow<sup>SM</sup> Index Fund or any member of the public regarding the advisability of investing in securities generally or in the JNL/Mellon Dow<sup>SM</sup> Index Fund particularly or the ability of the Dow Jones Industrial Average to track general market performance. S&P Dow Jones Indices' only relationship to Jackson is the licensing of the Dow Jones Industrial Average and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The Dow Jones Industrial Average is determined, composed and calculated by S&P Dow Jones Indices without regard to Jackson or the JNL/Mellon Dow<sup>SM</sup> Index Fund. S&P Dow Jones Indices have no obligation to take the needs of Jackson, or the owners of the JNL/Mellon Dow<sup>SM</sup> Index Fund into consideration in determining, composing or calculating the Dow Jones Industrial Average. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the JNL/Mellon Dow<sup>SM</sup> Index Fund or the timing of the issuance or sale of the JNL/Mellon Dow<sup>SM</sup> Index Fund in the determination or calculation of the equation by which the JNL/Mellon Dow<sup>SM</sup> Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the JNL/Mellon Dow<sup>SM</sup> Index Fund. There is no assurance that investment products based on the Dow Jones Industrial Average will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to the JNL/Mellon Dow<sup>SM</sup> Index Fund currently being issued by Jackson, but which may be similar to and competitive with the JNL/Mellon Dow<sup>SM</sup> Index Fund. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the Dow Jones Industrial Average.

S&P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE DOW JONES INDUSTRIAL AVERAGE OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY JACKSON, OWNERS OF THE JNL/MELLON DOW<sup>SM</sup> INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DOW JONES INDUSTRIAL AVERAGE OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND JACKSON, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

The S&P 500 Index, S&P MidCap 400 Index, and S&P SmallCap 600 Index, (collectively, the "Indices") are products of S&P Dow Jones Indices LLC ("SPDJI"), and have been licensed for use by Jackson National Life Insurance Company and its affiliates (collectively, "Jackson"). Standard & Poor's<sup>®</sup>, S&P<sup>®</sup> and S&P 500<sup>®</sup>, S&P MidCap 400<sup>®</sup> and S&P SmallCap 600<sup>®</sup> are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones<sup>®</sup> is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones") and these trademarks have been licensed for use by SPDJI and have been sub-licensed for certain purposes by Jackson. The JNL/Mellon S&P 500 Index Fund, JNL/Mellon S&P 400 MidCap Index Fund, and JNL/Mellon Small Cap

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Index Fund (collectively, the "JNL Funds") are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, express or implied, to the owners of the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds particularly or the ability of the Indices to track general market performance. S&P Dow Jones Indices' only relationship to Jackson with respect to the Indices is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to Jackson or the JNL Funds. S&P Dow Jones Indices have no obligation to take the needs of Jackson or the owners of the JNL Funds into consideration in determining, composing or calculating the Indices. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the JNL Funds or the timing of the issuance or sale of the JNL Funds in the determination or calculation of the equation by which the JNL Funds are to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the JNL Funds. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to the JNL Funds currently being issued by Jackson, but which may be similar to and competitive with JNL Funds. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the Index.

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

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

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

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

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> Aggressive Target Risk Index<sup>SM</sup> | JNL Aggressive Growth Allocation Fund<br>JNL/JPMorgan Managed Aggressive Growth Fund |
| Morningstar<sup>®</sup> China Index<sup>SM</sup> | JNL/WCM China Quality Growth Fund |
| Morningstar<sup>®</sup> Conservative Target Risk Index<sup>SM</sup> | JNL Conservative Allocation Fund<br>JNL/JPMorgan Managed Conservative Fund |
| Morningstar<sup>®</sup> Developed Markets ex-North America Target Market Exposure Index<sup>SM</sup> | JNL/Causeway International Value Select Fund<br>JNL/JPMorgan Managed Aggressive Growth Fund<br>JNL/JPMorgan Managed Conservative Fund<br>JNL/JPMorgan Managed Growth Fund<br>JNL/JPMorgan Managed Moderate Fund<br>JNL/JPMorgan Managed Moderate Growth Fund<br>JNL/Mellon International Index Fund<br>JNL/T. Rowe Price Balanced Fund |
| Morningstar<sup>®</sup> Developed Markets ex-North America Value Target Market Exposure Index<sup>SM</sup> | JNL/Causeway International Value Select Fund |
| Morningstar<sup>®</sup> Developed Markets ex-US Target Market Exposure Index<sup>SM</sup> | JNL/DFA International Core Equity Fund |
| Morningstar<sup>®</sup> Developed Markets Target Market Exposure Index<sup>SM</sup> | JNL/BlackRock Global Allocation Fund<br>JNL/Mellon World Index Fund<br>JNL/Morningstar PitchBook Listed Private Equity Index Fund |
| Morningstar<sup>®</sup> Dividend Composite Index<sup>SM</sup> | JNL/WMC Equity Income Fund |
| Morningstar<sup>®</sup> Emerging Markets Index<sup>SM</sup> | JNL Multi-Manager Emerging Markets Equity Fund |
| Morningstar<sup>®</sup> Emerging Markets Target Market Exposure Index<sup>SM</sup> | JNL/Mellon Emerging Markets Index Fund<br>JNL/GQG Emerging Markets Equity Fund |
| Morningstar<sup>®</sup> Global ex-US Small Cap Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager International Small Cap Fund |
| Morningstar<sup>®</sup> Global ex-US Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager International Small Cap Fund<br>JNL/American Funds International Fund<br>JNL/Lazard International Quality Growth Fund<br>JNL/WCM Focused International Equity Fund<br>JNL/William Blair International Leaders Fund |
| Morningstar<sup>®</sup> Global Small Cap Target Market Exposure Index<sup>SM</sup> | JNL/American Funds Global Small Capitalization Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> Global Target Market Exposure Index<sup>SM</sup> | JNL Aggressive Growth Allocation Fund<br>JNL Conservative Allocation Fund<br>JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL/AB Sustainable Global Thematic Fund<br>JNL/American Funds Capital Income Builder Fund<br>JNL/American Funds Global Growth Fund<br>JNL/American Funds Global Small Capitalization Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/American Funds New World Fund<br>JNL/BlackRock Global Natural Resources Fund<br>JNL/First Sentier Global Infrastructure Fund<br>JNL/Invesco Global Growth Fund<br>JNL/JPMorgan Global Allocation Fund<br>JNL/JPMorgan Managed Aggressive Growth Fund<br>JNL/JPMorgan Managed Growth Fund<br>JNL/JPMorgan Managed Moderate Growth Fund<br>JNL/Loomis Sayles Global Growth Fund<br>JNL/Neuberger Berman Commodity Strategy Fund<br>JNL/Neuberger Berman Gold Plus Strategy Fund<br>JNL/T. Rowe Price Balanced Fund<br>JNL/Vanguard Growth ETF Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund<br>JNL/WMC Global Real Estate Fund |
| Morningstar<sup>®</sup> LSTA US Leveraged Loan Index<sup>SM</sup> | JNL Multi-Manager Floating Rate Income Fund |
| Morningstar<sup>®</sup> Moderate Target Risk Index<sup>SM</sup> | JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/JPMorgan Managed Moderate Growth Fund<br>JNL/T. Rowe Price Balanced Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> Moderately Aggressive Target Risk Index | JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/JPMorgan Managed Growth Fund<br>JNL/Vanguard Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> Moderately Conservative Target Risk Index<sup>SM</sup> | JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/JPMorgan Managed Moderate Fund<br>JNL/Vanguard Moderate ETF Allocation Fund |
| Morningstar<sup>®</sup> PitchBook Developed Markets Listed Private Equity Index<sup>SM</sup> | JNL/Morningstar PitchBook Listed Private Equity Index Fund |
| Morningstar<sup>®</sup> US Basic Materials Index<sup>SM</sup> | JNL/Mellon Materials Sector Fund |
| Morningstar<sup>®</sup> US Communication Services Index<sup>SM</sup> | JNL/Mellon Communication Services Sector Fund |
| Morningstar<sup>®</sup> US Consumer Cyclical Index<sup>SM</sup> | JNL/Mellon Consumer Discretionary Sector Fund |
| Morningstar<sup>®</sup> US Consumer Defensive Index<sup>SM</sup> | JNL/Mellon Consumer Staples Sector Fund |
| Morningstar<sup>®</sup> US Energy Index<sup>SM</sup> | JNL/Mellon Energy Sector Fund |
| Morningstar<sup>®</sup> US Financial Services Index<sup>SM</sup> | JNL/Mellon Financial Sector Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> US Healthcare Index<sup>SM</sup> | JNL/Mellon Healthcare Sector Fund |
| Morningstar<sup>®</sup> US Industrials Index<sup>SM</sup> | JNL/Mellon Industrials Sector Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Index<sup>SM</sup> | JNL/Morningstar U.S. Sustainability Index Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Broad Growth Index<sup>SM</sup> | JNL/BlackRock Large Cap Select Growth Fund<br>JNL/ClearBridge Large Cap Growth Fund<br>JNL/T. Rowe Price Growth Stock Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Broad Value Index<sup>SM</sup> | JNL/Invesco Diversified Dividend Fund<br>JNL/JPMorgan U.S. Value Fund<br>JNL/Newton Equity Income Fund<br>JNL/T. Rowe Price Value Fund<br>JNL/WMC Value Fund |
| Morningstar<sup>®</sup> US Market Index<sup>SM</sup> | JNL/Mellon U.S. Stock Market Index Fund |
| Morningstar<sup>®</sup> US Market Extended Index<sup>SM</sup> | JNL Multi-Manager Mid Cap Fund<br>JNL Multi-Manager Small Cap Growth Fund<br>JNL Multi-Manager Small Cap Value Fund<br>JNL/DFA U.S. Core Equity Fund<br>JNL/DFA U.S. Small Cap Fund<br>JNL/Invesco Small Cap Growth Fund<br>JNL/JPMorgan MidCap Growth Fund<br>JNL/Mellon Communication Services Sector Fund<br>JNL/Mellon Consumer Discretionary Sector Fund<br>JNL/Mellon Consumer Staples Sector Fund<br>JNL/Mellon Energy Sector Fund<br>JNL/Mellon Financial Sector Fund<br>JNL/Mellon Healthcare Sector Fund<br>JNL/Mellon Industrials Sector Fund<br>JNL/Mellon Information Technology Sector Fund<br>JNL/Mellon Materials Sector Fund<br>JNL/Mellon Real Estate Sector Fund<br>JNL/Mellon S&P 400 MidCap Index Fund<br>JNL/Mellon Small Cap Index Fund<br>JNL/Mellon U.S. Stock Market Index Fund<br>JNL/Mellon Utilities Sector Fund<br>JNL/MFS Mid Cap Value Fund<br>JNL/Morningstar SMID Moat Focus Index Fund<br>JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap Fund<br>JNL/RAFI<sup>®</sup> Multi-Factor U.S. Equity Fund<br>JNL/T. Rowe Price Mid-Cap Growth Fund |
| Morningstar<sup>®</sup> US Mid Cap Broad Growth Index<sup>SM</sup> | JNL/JPMorgan MidCap Growth Fund<br>JNL/T. Rowe Price Mid-Cap Growth Fund |
| Morningstar<sup>®</sup> US Mid Cap Broad Value Index<sup>SM</sup> | JNL/MFS Mid Cap Value Fund |
| Morningstar<sup>®</sup> US Mid Cap Index<sup>SM</sup> | JNL Multi-Manager Mid Cap Fund |
| Morningstar<sup>®</sup> US Real Estate Index<sup>SM</sup> | JNL/Mellon Real Estate Sector Fund |
| Morningstar<sup>®</sup> US REIT Index<sup>SM</sup> | JNL/Cohen & Steers U.S. Realty Fund |
| Morningstar<sup>®</sup> US Small Cap Broad Growth Extended Index<sup>SM</sup> | JNL Multi-Manager Small Cap Growth Fund<br>JNL/Invesco Small Cap Growth Fund |
| Morningstar<sup>®</sup> US Small Cap Broad Value Extended Index<sup>SM</sup> | JNL Multi-Manager Small Cap Value Fund |
| Morningstar<sup>®</sup> US Small Cap Extended Index<sup>SM</sup> | JNL/DFA U.S. Small Cap Fund<br>JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap Fund |
| Morningstar<sup>®</sup> US Small-Mid Cap Index℠ | JNL/Morningstar SMID Moat Focus Index Fund |
| Morningstar<sup>®</sup> US Small-Mid Cap Moat Focus Index℠ | JNL/Morningstar SMID Moat Focus Index Fund |
| Morningstar<sup>®</sup> US Sustainability Index<sup>SM</sup> | JNL/Morningstar U.S. Sustainability Index Fund |
| Morningstar<sup>®</sup> US Technology Index<sup>SM</sup> | JNL/Mellon Information Technology Sector Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> US Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager U.S. Select Equity Fund<br>JNL/AQR Large Cap Defensive Style Fund<br>JNL/BlackRock Large Cap Select Growth Fund<br>JNL/ClearBridge Large Cap Growth Fund<br>JNL/Cohen & Steers U.S. Realty Fund<br>JNL/JPMorgan Nasdaq<sup>®</sup> Hedged Equity Fund<br>JNL/JPMorgan U.S. Value Fund<br>JNL/Mellon Dow<sup>SM</sup> Index Fund<br>JNL/Mellon Nasdaq<sup>®</sup> 100 Index Fund<br>JNL/Morningstar U.S. Sustainability Index Fund<br>JNL/Newton Equity Income Fund<br>JNL/T. Rowe Price Value Fund<br>JNL/WMC Equity Income Fund<br>JNL/WMC Value Fund |
| Morningstar<sup>®</sup> US Utilities Index<sup>SM</sup> | JNL/Mellon Utilities Sector Fund |
| Morningstar<sup>®</sup> Wide Moat Focus Index<sup>SM</sup> | JNL/Morningstar Wide Moat Index Fund |

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

The JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap Fund and JNL/RAFI<sup>®</sup> Multi-Factor U.S. Equity Fund (the "JNL/RAFI Funds") are not sponsored, offered, or sold in any manner by RAFI Indices, LLC or any of its affiliates, licensors or contractors (the "RAFI Parties") nor do any of the RAFI Parties offer to any person purchasing a product that uses or incorporates a product based on an Index any express or implicit guarantee, warranty or assurance either with regard to the results of using the RAFI Multi-Factor<sup>®</sup> US Index and RAFI Fundamental US Small Company Index (each an "Index") or the Index Price at any time or in any other respect. Each Index is calculated and published by the RAFI Parties. The RAFI Parties use commercially reasonable efforts to ensure that the Index is calculated correctly. None of the RAFI Parties shall be liable to any person purchasing a product that uses or incorporates a product based on the Index for any error, omission, inaccuracy, incompleteness, delay, or interruption in the Index or any data related thereto or have any obligation to point out errors in the Index to any person. Neither publication of each Index by the RAFI Parties nor the licensing of the Index or Index trademark for the purpose of use in connection with the JNL/RAFI Funds constitutes a recommendation by any of the RAFI Parties to invest in nor does it in any way represent an assurance, endorsement or opinion of any of the RAFI Parties with regard to any investment in the JNL/RAFI Funds. The trade names Fundamental Index<sup>®</sup> and RAFI<sup>®</sup> are registered trademarks of Research Affiliates, LLC in the US and other countries.

"Bloomberg<sup>®</sup>" and the Bloomberg Indices (as defined below) are service marks of Bloomberg Finance L.P. and its affiliates, including Bloomberg Index Services Limited ("BISL"), the administrator of the index (collectively, "Bloomberg"), and have been licensed for use for certain purposes by Jackson National Asset Management, LLC ("JNAM").

The JNL Funds (as defined below) are not sponsored, endorsed, sold or promoted by Bloomberg. Bloomberg does not make any representation or warranty, express or implied, to the owners of or counterparties to the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds particularly. The only relationship of Bloomberg to JNAM is the licensing of certain trademarks, trade names and service marks and of the Bloomberg Indices, which is determined, composed and calculated by BISL without regard to JNAM or the JNL Funds. Bloomberg has no obligation to take the needs of JNAM or the owners of the JNL Funds into consideration in determining, composing or calculating the Bloomberg Indices. Bloomberg is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the JNL Funds to be issued. Bloomberg shall not have any obligation or liability, including, without limitation, to JNL Funds customers, in connection with the administration, marketing or trading of the JNL Funds.

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| | |
|:---|:---|
| Index (collectively, the "Bloomberg Indices") | Fund (collectively, the "JNL Funds") |
| Bloomberg 1-3 Yr Gov/Credit Index | JNL/T. Rowe Price Short-Term Bond Fund |
| Bloomberg Commodity Index | JNL/Neuberger Berman Commodity Strategy Fund |
| Bloomberg Gold Subindex | JNL/Neuberger Berman Gold Plus Strategy Fund |
| Bloomberg EM USD Aggregate Index | JNL/DoubleLine<sup>®</sup> Emerging Markets Fixed Income Fund |
| Bloomberg Global Aggregate Index | JNL/American Funds Capital World Bond Fund<br>JNL/DoubleLine<sup>®</sup> Emerging Markets Fixed Income Fund |
| Bloomberg Global Aggregate ex-China Index | JNL/JPMorgan Global Allocation Fund |
| Bloomberg U.S. High Yield – 2% Issuer Cap Index | JNL/PPM America High Yield Bond Fund<br>JNL/T. Rowe Price U.S. High Yield Fund |
| Bloomberg U.S. Aggregate Index | JNL Aggressive Growth Allocation Fund<br>JNL Conservative Allocation Fund<br>JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL Multi-Manager Alternative Fund<br>JNL Multi-Manager Floating Rate Income Fund<br>JNL/American Funds Balanced Fund<br>JNL/American Funds Bond Fund of America Fund<br>JNL/American Funds Capital Income Builder Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/DoubleLine<sup>®</sup> Core Fixed Income Fund<br>JNL/DoubleLine<sup>®</sup> Total Return Fund<br>JNL/Dreyfus Government Money Market Fund<br>JNL/Fidelity Institutional Asset Management<sup>®</sup> Total Bond Fund<br>JNL/JPMorgan Managed Aggressive Growth Fund<br>JNL/JPMorgan Managed Conservative Fund<br>JNL/JPMorgan Managed Growth Fund<br>JNL/JPMorgan Managed Moderate Fund<br>JNL/JPMorgan Managed Moderate Growth Fund<br>JNL/JPMorgan U.S. Government & Quality Bond Fund<br>JNL/Lord Abbett Short Duration Income Fund<br>JNL/Mellon Bond Index Fund<br>JNL/Neuberger Berman Strategic Income Fund<br>JNL/PIMCO Income Fund<br>JNL/PIMCO Investment Grade Credit Bond Fund<br>JNL/PIMCO Real Return Fund<br>JNL/PPM America High Yield Bond Fund<br>JNL/PPM America Total Return Fund<br>JNL/T. Rowe Price Balanced Fund<br>JNL/T. Rowe Price Capital Appreciation Fund<br>JNL/T. Rowe Price Short-Term Bond Fund<br>JNL/T. Rowe Price U.S. High Yield Fund<br>JNL/Vanguard Growth ETF Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund<br>JNL/Westchester Capital Event Driven Fund<br>JNL/WMC Balanced Fund |
| Bloomberg U.S. Credit Index | JNL/PIMCO Investment Grade Credit Bond Fund |
| Bloomberg U.S. Government Index | JNL/JPMorgan U.S. Government & Quality Bond Fund |
| Bloomberg U.S. Treasury: U.S. TIPS Index | JNL/PIMCO Real Return Fund |
| Bloomberg USD 1 Month Cash Deposit Index | JNL/Dreyfus Government Money Market Fund |

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

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

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

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

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

Wilshire<sup>®</sup>, the Wilshire Indexes<sup>SM</sup>, Wilshire Liquid Alternative Index<sup>SM</sup>, and Wilshire Liquid Alternative Event Driven Index<sup>SM</sup> are service marks of Wilshire Advisors LLC ("Wilshire") and have been licensed for use by Jackson National Asset Management, LLC. All copyrightable subject matter in the Indexes and Index Data is copyright 2025 Wilshire Advisors LLC, all rights reserved. The JNL Multi-Manager Alternative Fund and JNL/Westchester Capital Event Driven Fund (together, the "JNL Funds") are not sponsored, endorsed, sold or promoted by Wilshire, and Wilshire makes no representations, warranties or other commitments with respect to the JNL Funds. Wilshire does not accept any liability to any person for any loss or damage arising out of any error or omission in the Indexes or the Index Data.

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**APPENDIX C**

**SELLING FIRM SUPPORT** 

**[TO BE UPDATED BY AMENDMENT]**

Below is a complete list of Selling Firms that received marketing and distribution and/or administrative support in 2024 from the Distributor and/or Jackson in relation to the sale of Jackson and Jackson of NY variable insurance products.

Advisor2X, LLC

Aegis Capital Corp.

Agents Training Seminar, Inc.

Allegiance Capital

Ameriprise

Ameritas Investment Corp.

APW Capital, Inc.

Arete Wealth Management, LLC

Aria (Retire One)

Arkadios Capital

Arlington Securities, Inc.

Arvest Investments

Aurora Securities, Inc.

Ausdal Financial Partners Inc.

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

B Riley Wealth Management

BCG Securities, Inc.

Beacon Pointe Advisors

Benjamin Edwards

Berthel Fisher & Co.

Brokers International Financial Services, LLC

Brookstone Capital Management, LLC

Cabot Lodge

Cadaret Grant & Company

Calton & Associates, Inc.

Cambridge Investment

Cape Securities, Inc.

Capital Investment Companies

Carson Pacific

Centaurus Financial

Cetera Advisor Networks, LLC

Cetera Advisors, LLC

Cetera Financial Specialists

Cetera Investment Services, LLC

CFD Investments, Inc.

Chelsea Financial Services

CitiGroup Global Markets, Inc.

Commonwealth Financial Network

Concorde

Concourse Financial

Copper Financial Network, LLC

Cramer

Creative One Wealth

Crescent Securities Group, Inc.

Crown Capital Securities L.P.

CUSO Financial Services, Inc. & L.P.

D. A. Davidson & Company

Davenport & Company

Dempsey Lord Smith, LLC

DFPG Investments

Diversify Partner Services

DPL (The Leader's Group)

Edward Jones & Company

Emerson Equities

Equitable Network (formerly AXA)

Equity Services

Fifth Third Securities

FIG

Financial & Estate Planning Council

Financial Planning Associates

Financial Services Institute

First Citizen

First Heartland

First Horizon (formerly FTB Advisors)

Fortune Financial Services

Founders Financial Securities

FPA NorCal Conference, Inc.

Frost Community Wealth Advisor

G. W. Sherwold Associates, Inc.

Geneos Wealth Management, Inc.

Glen Eagle Advisors, LLC

Goldman Sachs Asset Management

Gradient Radient Securities, LLC

Gradient Securities

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

GWN Securities, Inc.

Halo

Hantz

Harbour Investment

Hightower Securities, LLC

Hilltop Securities, Inc.

Hornor Townsend & Kent, Inc.

IFP Securities, LLC

Independent Financial Group

Innovation Partners, LLC

InsureTech Connect LLC

International Assets Advisory

J W Cole Financial, Inc.

Janney, Montgomery Scott, LLC

KCD Financial, Inc.

Kestra Financial Services (formerly NFP Securities, Inc.)

Key Investment Services

Kingswood Capital Partners, LLC

Kovack Securities, Inc.

Larson Financial Group

LaSalle St. Securities, LLC

Level Four Financial, LLC

Lifemark Securities

Lincoln Financial Advisors

Lincoln Financial Securities Corp.

Lincoln Investment Planning

Lion Street

Lion Street Financial, LLC

LL Global, Inc.

LPL Financial Corporation

M Holdings Securities, Inc.

Madison Ave Securities, Inc.

McNally Financial Services

Merrill Lynch

Metric Financial, LLC

MML Investors Services / MSI Financial Services

Moloney Securities Co., Inc.

Momentum Independent Network, Inc.

Money Concepts Capital Corp.

Morgan Stanley Smith Barney, LLC

Mutual Advisors, LLC

Mutual Group

Mutual Of Omaha

NAIFA

NAPFA

Nationwide Planning Associates

New Jersey State Association of Insurance and Finance

NewEdge Securities, Inc.

Next Financial Group

NI Advisors

ON Equity Sales Group

OneAmerica Securities, Inc.

Oppenheimer & Co.. Inc.

Osaic (formerly Advisor Group)

Packerland Brokerage Services

Park Avenue Securities

Parkland Securities, LLC

Peak Brokerage Services

Pinnacle Group

PlanMember Securities Corp.

PNC Investments, LLC

Private Client Services, LLC

Producer's Choice

Prospera Financial Services, Inc.

Pruco Securities

Prudential Insurance Company

Purshe Kaplan Sterling

Raymond James & Associates, Inc.

RBC Capital Markets Corporation

Regulus Advisors, LLC

RFG Advisory, LLC

RNR Securities, LLC

Robert W Baird & Co., Inc.

Rockefeller

Rogan and Associates

Saltzman

San Blas Securities, LLC

Santander Securities, LLC

Saxony Securities, Inc.

SCF Securities

Schwab/TD Ameritrade

Securevest Financial Group

Sigma Financial Corporation

Signal Securities, Inc.

Silver Oak Securities

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Snowden Account Services, Inc.

Sorrento Pacific Financial

State Farm

Steward Partners Investment Solutions, LLC

Stifel Nicolaus & Co., Inc.

Strategic Financial Alliance

Supreme Alliance, Inc.

Synovus Securities

Tandem Securities, Inc.

TFS Securities, Inc.

The Huntington Investment Company

The Vermont Agency Foundation

Thrasher & Company, Inc.

Titan Investors, LLC

Top Producer International, LLC

Transamerica Financial Services, Inc.

Trek Financial, LLC

Truist Investment Services, Inc.

UBS Financial Services, Inc.

UnionBanc Investment Services, LLC

United Planners Financial

US Bancorp Investments, Inc.

USA Financial Securities Corp.

Valic Financial Advisors, Inc.

ValMark Securities, Inc.

Vanderbilt Securities

Verity Investments, Inc.

Voya Financial Advisors

Wedbush Securities, Inc.

Wells Fargo Advisors / Investments

Western International Securities

Westminster Financial

Wintrust Investments, LLC

Women's Wealth Boutique

World Equity Group

World Investments, Inc.

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**APPENDIX D**

**GMDB PROSPECTUS EXAMPLES**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**I.EARNINGS PROTECTION DEATH BENEFIT**

Unless otherwise specified, the following examples apply to and assume you elected Earnings Protection Guaranteed Minimum Death Benefit (referred to below as a EarningsMax) when you purchased your Contract, no other add-on benefits were elected, your initial Premium payment net of any applicable taxes was $100,000, and all partial withdrawals requested include any applicable charges. The examples assume that your age corresponds to the EarningsMax of 40% (up to issue age 69). If your age at issue corresponds to EarningsMax of 25% (issue age 70-75), the examples will still apply, given that you replace the 40% in each of the death benefit calculations with 25%. The total death benefit payable under the Contract will be equal to the base Contract Death Benefit plus the EarningsMax death benefit.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your Contract Value is $100,000, which is your initial Premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your Remaining Premium is $100,000, which is your initial Premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your Earnings are your Contract Value less your Remaining Premium, which is $0 at election ($100,000 - $100,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your EarningsMax death benefit is equal to 40% of your Earnings. Your EarningsMax death benefit is $0 at election.

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

This example demonstrates what happens if you make an additional Premium payment, net of applicable taxes, of $10,000, your Contract Value is $150,000 and your Remaining Premium is $100,000 at the time of payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your new Contract Value is $160,000, which is your Contract Value prior to the additional Premium payment plus your additional Premium payment ($150,000 + $10,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your Remaining Premium is $110,000, which is your Remaining Premium prior to the additional Premium payment plus your additional Premium payment ($100,000 + $10,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your Earnings are your Contract Value less your Remaining Premium, which equals $50,000 ($160,000 - $110,000). Your Earnings are subject to a maximum of 250% of your Remaining Premium (see Example 4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your EarningsMax death benefit is $20,000, which is equal to 40% of your Earnings (40% \* $50,000 = $20,000).

**Example 3: This example demonstrates how EarningsMax values are re-determined upon withdrawal of an amount from the Contract. Withdrawals will be allocated first to Earnings, if any, and second to Remaining Premium.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 3a: This example demonstrates what happens if you withdraw an amount that does not exceed your Earnings. You withdraw an amount of $10,000 when your Contract Value is $150,000, your Remaining Premium is $100,000 and your Earnings are $50,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Contract Value is $140,000, which is your Contract Value prior to the withdrawal less the amount of the withdrawal ($150,000 - $10,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Remaining Premium remains unchanged at $100,000 since you did not withdrawal more than your Earnings, which means you did not withdrawal any amount from Remaining Premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Earnings are your Contract Value less your Remaining Premium, which is $40,000 ($140,000-$100,000). Your Earnings are subject to a maximum of 250% of your Remaining Premium (see Example 4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your EarningsMax death benefit is $16,000, which is equal to 40% of your Earnings (40% \* $40,000 = $16,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 3b: This example demonstrates what happens if you withdraw an amount that exceeds your Earnings. You withdraw an amount of $60,000 when your Contract Value is $150,000, your Remaining Premium is $100,000 and your Earnings are $50,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Contract Value is $90,000, which is your Contract Value prior to the withdrawal less the amount of the withdrawal ($150,000 - $60,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Remaining Premium is $90,000, which is your Remaining Premium prior to the withdrawal less the amount of the withdrawal that is allocated to Remaining Premium ($100,000 – ($60,000-$50,000) = $100,000 - $10,000). The withdrawal of $60,000 will be allocated first to Earnings ($50,000) and the rest ($10,000) to Remaining Premium.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Earnings after the withdrawal is your Contract Value less your Remaining Premium, which is $0 ($90,000 -$90,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your EarningsMax death benefit is $0 as your Earnings are $0.

**Example 4: This example demonstrates the EarningsMax values given the Earnings are over the 250% of Remaining Premium maximum.**

This example demonstrates what happens if Contract Value is $150,000 and your Remaining Premium is $20,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your Earnings are your Contract Value less your Remaining Premium, subject to a maximum of 250% of your Remaining Premium. Your Earnings is $50,000, which is the maximum (250% \* $20,000 = $50,000), since your Contract Value less your Remaining Premium ($150,000 - $20,000 = $130,000) exceeds the maximum described under this benefit.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your EarningsMax death benefit is $20,000, which is equal to 40% of your Earnings (40% \* $50,000 = $20,000).

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

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

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

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

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

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

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

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

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

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

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

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

Notes:

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

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**APPENDIX E**

**HISTORICAL ADD-ON BENEFIT CHARGES**

**I.&nbsp;&nbsp;&nbsp;&nbsp;Liquidity Option**

No historical charges are available at this time for the Liquidity Option.

**II.&nbsp;&nbsp;&nbsp;&nbsp;Earnings Protection Benefit ("EarningsMax")**

No historical charges are available at this time for the Earnings Protection Benefit.

**III.&nbsp;&nbsp;&nbsp;&nbsp;Principal Guard GMAB**

No historical charges are available at this time for the Principal Guard GMAB.

**IV.&nbsp;&nbsp;&nbsp;&nbsp;Return of Premium Guaranteed Minimum Death Benefit**

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

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**APPENDIX F** 

**GMAB Prospectus Examples**

Unless otherwise specified, the following examples assume you elected a GMAB with a Guarantee Term of 10 years when you purchased your Contract, on your application you chose to allocate your Premium to Investment Divisions, the GMAB Allocation Requirement is 30%, the crediting rate for the GMAB Fixed Account Option is 3.00%, the Guarantee Percentage is 110%, the Guarantee Benefit Base Maximum is $5,000,000, no other optional benefits were elected, and your initial Premium payment was $100,000. All partial withdrawals include any applicable withdrawal charges.

**Example 1: At election, a percentage (the GMAB Allocation Requirement) of your funds is automatically allocated to the GMAB Fixed Account Option and your Guarantee Benefit Base and Guaranteed Amount are determined.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the GMAB is elected at issue:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $30,000 is allocated to the GMAB Fixed Account Option, which is 30% (the GMAB Allocation Requirement) of your initial Premium payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $70,000 is allocated to the Investment Divisions, which is the remaining 70% of your initial Premium Payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guarantee Benefit Base is $100,000, which is your initial Premium payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guaranteed Amount is $110,000, which is equal to your Guarantee Benefit Base multiplied by your Guarantee Percentage ($100,000 \* 110%).

**Example 2: Upon payment of a subsequent Premium within 90 days of the Issue Date of the Contract, a percentage (the GMAB Allocation Requirement) of your Premium payment is automatically allocated to the GMAB Fixed Account Option, and your Guarantee Benefit Base and Guaranteed Amount are re-determined.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 2a: If you make an additional Premium payment of $50,000 and your Guarantee Benefit Base is $100,000:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $15,000 is allocated to the GMAB Fixed Account Option, which is 30% (the GMAB Allocation Requirement) of your additional Premium payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $35,000 is allocated to the Investment Divisions, which is the remaining 70% of your additional Premium Payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guarantee Benefit Base is $150,000, which is your additional Premium payment plus the Guarantee Benefit Base before your additional Premium Payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guaranteed Amount is $165,000, which is equal to your Guarantee Benefit Base multiplied by your Guarantee Percentage ($150,000 \* 110%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 2b: If you make an additional Premium payment of $4,950,000 and your Guarantee Benefit Base is $100,000:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $1,485,000 is allocated to the GMAB Fixed Account Option, which is 30% (the GMAB Allocation Requirement) of your additional Premium payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $3,465,000 is allocated to the Investment Divisions, which is the remaining 70% of your additional Premium Payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guarantee Benefit Base is $5,000,000, which is the maximum since your additional Premium payment plus the Guarantee Benefit Base before your additional Premium Payment exceeds the maximum of $5,000,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guaranteed Amount is $5,500,000, which is equal to your Guarantee Benefit Base multiplied by your Guarantee Percentage ($5,000,000 \* 110%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Note:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ An initial Contract Value that exceeds the Guarantee Benefit Base at the beginning of the Guarantee Term diminishes the value of the GMAB.

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**Example 3: If you take a partial withdrawal of $15,000 at the end of the third Contract Year while the GMAB is in effect, the Contract Value, Guarantee Benefit Base, and Guaranteed Amount are re-determined.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 3a: If your Contract Value in the Separate Account is $82,218.19 and your GMAB Fixed Account Option Value is $32,781.81 for a total Contract Value of $115,000 just before the withdrawal, the withdrawal is taken proportionally from each account:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $4,275.89 ($15,000 \* $32,781.81 / $115,000) is deducted from your GMAB Fixed Account Option and the new GMAB Fixed Account Option Value is $28,505.92.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $10,724.11 ($15,000 \* $82,218.19 / $115,000) is deducted from your Investment Divisions and the new Contract Value in the Separate Account is $71,494.08.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your total new Contract Value is $100,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guarantee Benefit Base of $100,000 is reduced by the same proportion that your total Contract Value is reduced, which is $15,000 divided by $115,000 (13.043478%). The new Guarantee Benefit Base is $86,956.52 ($100,000 - $100,000 \* 13.043478%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guaranteed Amount is $95,652.17, which is equal to your Guarantee Benefit Base multiplied by your Guarantee Percentage ($86,956.52 \* 110%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 3b: If your Contract Value in the Separate Account is $37,218.19 and your GMAB Fixed Account Option Value is $32,781.81 for a total Contract Value of $70,000 just before the withdrawal, the withdrawal is taken proportionally from each account:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $7,024.67 ($15,000 \* $32,781.81 / $70,000) is deducted from your GMAB Fixed Account Option and the new GMAB Fixed Account Option Value is $25,757.14.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $7,975.33 ($15,000 \* $37,218.19 / $70,000) is deducted from your Investment Divisions and the new Contract Value in the Separate Account is $29,242.86.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your total new Contract Value is $55,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your Guarantee Benefit Base of $100,000 is reduced by the same proportion that your total Contract Value is reduced, which is $15,000 divided by $70,000 (21.428571%). The new Guarantee Benefit Base is $78,571.43 ($100,000 - $100,000 \* 21.428571%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guaranteed Amount is $86,428.57, which is equal to your Guarantee Benefit Base multiplied by your Guarantee Percentage ($78,571.43 \* 110%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Note: This example illustrates that, when the Contract Value is less than the Guarantee Benefit Base at the time a partial withdrawal is made, the partial withdrawal reduces the Guarantee Benefit Base by a dollar amount that is greater than the dollar amount withdrawn.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Note:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ **As examples 3a and 3b together illustrate, the impact of a withdrawal on the Guarantee Benefit Base in a down market is greater than that in an up market.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Withdrawal charges may also apply and the net withdrawal may be less than $15,000.

**Example 4: At the end of the Guarantee Term, the excess of the Guaranteed Amount over the Contract Value, if any, is credited to your Contract Value according to your specified Premium allocations.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 4a: If your Contract Value in the Separate Account is $64,682.51 and your GMAB Fixed Account Option Value is $40,317.49 for a total Contract Value of $105,000 at the end of the Guarantee Term and you do not request to re-elect the GMAB:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ The amount of the benefit is $5,000, which is the excess of the Guaranteed Amount over the Contract Value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $5,000 is deposited in the Investment Divisions according to your specified Premium allocations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your total new Contract Value is $110,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $40,317.49 is transferred from your GMAB Fixed Account Option to the Investment Divisions according to your specified Premium allocations. Your new GMAB Fixed Account Option Value is $0, and your new Contract Value in the Separate Account is $110,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guarantee Benefit Base is $0 and your GMAB charges cease.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 4b: If your Contract Value in the Separate Account is $64,682.51 and your GMAB Fixed Account Option Value is $40,317.49 for a total Contract Value of $105,000 at the end of the Guarantee Term and you request to re-elect the GMAB to a 10-year Guarantee Term with a Guarantee Percentage of 105% and a GMAB Allocation Requirement of 25%:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ The amount of the benefit is $5,000, which is the excess of the Guaranteed Amount over the Contract Value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $5,000 is deposited in the Investment Divisions according to your specified Premium allocations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your total new Contract Value is $110,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $40,317.49 is transferred from your GMAB Fixed Account Option to the Investment Divisions according to your specified Premium allocations. Your intermediary GMAB Fixed Account Option Value is $0, and your intermediary Contract Value in the Separate Account is $110,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $27,500, which is 25% (the GMAB Allocation Requirement) of your Contract Value, is transferred to the GMAB Fixed Account Option proportionally from the Investment Divisions. Your new GMAB Fixed Account Option Value is $27,500.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Contract Value in the Separate Account is $82,500.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guarantee Benefit Base is $110,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guaranteed Amount is $115,500.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 4c: If your Contract Value in the Separate Account is $79,682.51 and your GMAB Fixed Account Option Value is $40,317.49 for a total Contract Value of $120,000 at the end of the Guarantee Term and you do not request to re-elect the GMAB:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ The amount of the benefit is $0 since your Contract Value is greater than the Guaranteed Amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your total Contract Value is $120,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $40,317.49 is transferred from your GMAB Fixed Account Option to the Investment Divisions according to your specified Premium allocations. Your new GMAB Fixed Account Option Value is $0, and your new Contract Value in the Separate Account is $120,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guarantee Benefit Base is $0, your new Guaranteed Amount is $0, and your GMAB charges cease.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 4d: If your Contract Value in the Separate Account is $79,682.51 and your GMAB Fixed Account Option Value is $40,317.49 for a total Contract Value of $120,000 at the end of the Guarantee Term and you request to re-elect the GMAB to a 10-year Guarantee Term with a Guarantee Percentage of 105% and a GMAB Allocation Requirement of 25%:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ The amount of the benefit is $0 since your Contract Value is greater than the Guaranteed Amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your total Contract Value is $120,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $40,317.49 is transferred from your GMAB Fixed Account Option to the Investment Divisions according to your specified Premium allocations. Your intermediary GMAB Fixed Account Option Value is $0, and your intermediary Contract Value in the Separate Account is $120,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ $30,000, which is 25% (the GMAB Allocation Requirement) of your Contract Value, is transferred to the GMAB Fixed Account Option proportionally from the Investment Divisions. Your new GMAB Fixed Account Option Value is $30,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Contract Value in the Separate Account is $90,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guarantee Benefit Base is $120,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new Guaranteed Amount is $126,000

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**APPENDIX G** 

**Historical Add-On Benefit Rates**

**I.&nbsp;&nbsp;&nbsp;&nbsp;Principal Guard GMAB**

No historical rates are available at this time for the Principal Guard GMAB.

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| | |
|:---|:---|
| ***Mailing Address and Contact Information*** | ***Mailing Address and Contact Information*** |
| **Customer Care Center** | **Customer Care Center** |
| ***Regular Mail:*** | P.O. Box 24068, Lansing, Michigan 48909-4068 |
| ***Overnight Mail:*** | 1 Corporate Way, Lansing, Michigan 48951 |
| ***Customer Care:*** | 800-644-4565<br>8:00 a.m. to 7:00 p.m. ET (M-F) |
| ***Fax:*** | 800-701-0125 |
| ***Email:*** | customercare@jackson.com |

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**WHERE TO FIND ADDITIONAL INFORMATION**

The Statement of Additional Information (SAI) dated [__________] contains more information about the Contracts and the Separate Account, and can be found online at <u>https://www.jackson.com/product-literature-1.html</u>. The SAI has been filed with the SEC and is incorporated by reference into this prospectus. For a free paper copy of the SAI, to request other information about the Contracts, and to make investor inquiries call us at 1-800-644-4565 or write to us at:

Customer Care Center

P.O. Box 24068

Lansing, Michigan 48909-4068

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

Separate Account EDGAR contract identifier #C000218277

------

**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> |
| (d)(13) | Form of Return of Premium Guaranteed Minimum Death Benefit (ICC25 7838), attached hereto.  |
| (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, to be filed by amendment. |
| (l) | Other Opinions. |
| (l)(1) | Consent of Independent Registered Public Accounting Firm, to be filed by amendment. |
| (m) | Omitted Financial Statements. Not Applicable. |
| (n) | Initial Capital Agreements. Not Applicable. |
| (o) | Form of Initial Summary Prospectus. |

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|:---|:---|
| (o)(1) | Form of Initial Summary Prospectus, attached hereto. |
| Item 29. | Organizational Chart, to be filed by amendment. |

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

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|:---|:---|
| Name and Principal Business Address | Positions and Offices with Jackson National Life Insurance Company |
| 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 |
| Craig D. Smith<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Executive Vice President |
| Alison R. Reed<br>7601 Technology Drive<br>Denver, CO 80237 | Chief Product Development and Strategy Execution Officer |
| 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 |

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|:---|:---|
| Laura L. Hanson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Operations |
| Aileen E. Herndon<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, Enterprise Marketing and Communications |
| 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 |
| Barrett M. Bonemer<br>1 Corporate Way<br>Lansing, MI 48951 | Head of Internal Audit |
| Marina C. Ashiotou<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| Dennis A. Blue<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Ellen J. Bode<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Appointed Actuary |
| Pamela L. Bottles<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

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|:---|:---|
| 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 |
| Frank G. D'Amuro<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lauren B. Dunn<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| 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, Total Rewards and Consulting |
| 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 |

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|:---|:---|
| Stefan C. Ott<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Kristan L. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President and Assistant Secretary |
| James A. Schultz<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President and Treasurer |
| Muhammad S. Shami<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| 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. will be filed by amendment.

**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

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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:

---

| | |
|:---|:---|
| Name and Business Address | Positions and Offices with Underwriter |
| Savvas P. Binioris<br>1 Corporate Way<br>Lansing, MI 48951 | Chair and Manager |
| Marina C. Ashiotou<br>225 W. Wacker Dr. <br>Suite 1200<br>Chicago, IL 60606 | Manager |
| Garett J. Childs<br>225 W. Wacker Dr. <br>Suite 1200<br>Chicago, IL 60606 | Manager |
| Hilary Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Alison Reed<br>7601 Technology Drive<br>Denver, CO 80237 | Chief Product Development and Strategy Execution Officer |
| Lauren L. Caputo<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Ashley S. Golson<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, National Sales Desk and Distribution Intelligence |
| Aileen Herndon<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Heidi Kaiser <br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, General Counsel & Anti-Money Laundering Compliance Officer |
| Matt Lemieux<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Kevin Luebbers<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |

---

------

---

| | |
|:---|:---|
| Greg Masucci<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Kimberly Plyer<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Tom Smith<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Myles Womack<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| 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 |
| Michael Cobianchi<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Chardae Hawley<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Yesenia Lankford<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Kristine Lowry<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President, FinOp & Controller |

---

------

---

| | |
|:---|:---|
| Dana R. Malesky Flegler<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Bob McAllister<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| 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 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 8th day of December, 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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| | |
|:---|:---|
| \* | December 8, 2025 |
| Laura L. Prieskorn, Chief Executive Officer and Director |  |
| \* | December 8, 2025 |
| Christopher A. Raub, President and Director |  |
| \* | December 8, 2025 |
| Don W. Cummings, Executive Vice President,<br>Chief Financial Officer, and Director |  |
| \* | December 8, 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.

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**POWER OF ATTORNEY**

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

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

---

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

---

---

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

---

---

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

---

---

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

---

------

**EXHIBIT LIST**

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| | |
|:---|:---|
| Exhibit No. | Description |
| (d)(13) | Form of Return of Premium Guaranteed Minimum Death Benefit (ICC25 7838) |
| (o)(1) | Form of Initial Summary Prospectus |

---

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## Ex-99.(D)(13)

![](exhibitd13icc257838001.jpg)

ICC25 7838 1 Jackson National Life Insurance Company® RETURN OF PREMIUM GUARANTEED MINIMUM DEATH BENEFIT Thank you for choosing Jackson National Life Insurance Company, also referred to as "the Company." This guaranteed minimum death benefit (GMDB) is made a part of the Contract to which it is attached. Certain provisions of Your Contract are revised as described below as of the Effective Date of this add-on benefit. To the extent any provisions contained in this add-on benefit are contrary to or inconsistent with those of the Contract to which it is attached, the provisions of this add-on benefit will control. The provisions of Your Contract remain in effect except where modified by this add-on benefit. Capitalized terms that are not otherwise defined in this add-on benefit are defined in Your Contract. PLEASE NOTE: THIS ADD-ON BENEFIT CANNOT BE TERMINATED INDEPENDENTLY FROM THE CONTRACT TO WHICH IT IS ATTACHED UNLESS CONTINUED UNDER A SPOUSAL CONTINUATION OPTION. OWNER(S) MAY CHANGE OWNERSHIP OF THE CONTRACT, HOWEVER THE COVERED LIFE (AS DEFINED BY THIS ADD-ON BENEFIT) CANNOT CHANGE. THE COMPANY ASSUMES NO RESPONSIBILITY FOR THE VALIDITY OR TAX CONSEQUENCES OF ANY OWNERSHIP CHANGE. IF YOU MAKE AN OWNERSHIP CHANGE, YOU MAY HAVE TO PAY TAXES. YOU ARE ENCOURAGED TO SEEK LEGAL AND/OR TAX ADVICE. AS STATED IN YOUR CONTRACT: THE COMPANY RESERVES THE RIGHT TO LIMIT, RESTRICT, SUSPEND OR REJECT ANY OR ALL SUBSEQUENT PREMIUM PAYMENTS. IF THE COMPANY EXERCISES SUCH RIGHT, YOU MAY NO LONGER BE ABLE TO FUND THIS BENEFIT, WHICH MAY IMPACT ITS POTENTIAL VALUE AND DURATION. THIS ADD-ON BENEFIT PROVIDES NO CASH OR NONFORFEITURE VALUES. The Contract is revised as follows: 1) The following language is added to the DEFINITIONS of the Contract and is applicable to this add-on benefit only: ADD-ON BENEFIT

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![](exhibitd13icc257838002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ICC25 7838 2 "CONTRACT QUARTER. The three-month period beginning on the Issue Date or any Contract Quarterly Anniversary. COVERED LIFE. The life on which the GMDB is based, determined on the Effective Date of this add-on benefit. The Covered Life is shown on the Supplemental Contract Data Pages. If the Owner is a natural person, then the Owner is the Covered Life. For Contracts issued to Joint Owners, each Joint Owner is a Covered Life. If the Owner is a legal entity, the Annuitant is the Covered Life. If the Owner is a legal entity and there are Joint Annuitants, each Joint Annuitant is a Covered Life. The Covered Lives may not be changed. EFFECTIVE DATE. The date shown on the Supplemental Contract Data Pages." 2) The following language is added to the MISSTATEMENT OF AGE AND/OR SEX provision of the GENERAL PROVISIONS of the Contract: "If the age of any Covered Life is incorrectly stated on the Effective Date of the GMDB but falls within the allowable age range then, on the date the misstatement is discovered, the GMDB Charge will be recalculated based on the correct age. If the age of any Covered Life is incorrectly stated on the Effective Date of the GMDB and falls outside the allowable age range then, on the date the misstatement is discovered, the GMDB will be null and void and all GMDB Charges will be refunded." 3) The following language is added to the REPORTS provision of the GENERAL PROVISIONS of the Contract: "For the current reporting period if the GMDB is in effect, the Contract's annual report will also include the current value of the GMDB Benefit Base." 4) The DEATH BENEFIT BEFORE THE INCOME DATE provision is deleted from the Contract's DEATH BENEFIT PROVISIONS and replaced with the following: "DEATH BENEFIT BEFORE THE INCOME DATE. The death benefit amount before the Income Date is equal to the greater of: 1. the current Contract Value; or 2. the GMDB Benefit Base. The Company will calculate the death benefit at the end of the Business Day (after all applicable transactions for the day, including any applicable withdrawal adjustments) on which the Company receives a request for payment with Due Proof of death of any Covered Life, an election identifying the death benefit option and state required forms, if any, in Good Order at its Customer Care Center." 5) The following language is added to the DEATH BENEFIT PROVISIONS of the Contract: "GMDB BENEFIT BASE. The GMDB Benefit Base will be determined at the end of any Business Day, and is equal to: 1. all Premiums (net of any applicable premium tax) paid into the Contract; less 2. any withdrawals, (including any applicable charges and adjustments for such withdrawals). All adjustments for amounts withdrawn will reduce the GMDB Benefit Base in the same proportion that the Contract Value was reduced on the date of the withdrawal.

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![](exhibitd13icc257838003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;ICC25 7838 3 Spousal Continuation Option. Unless the Contract is subject to a Pre-selected Death Benefit Option, a spousal Joint Owner or a spousal Beneficiary may elect to decline the standard death benefit and instead continue the Contract at an adjusted Contract Value. A Contract continued according to the Spousal Continuation Option will continue at a new Contract Value determined as the greater of the current Contract Value or the GMDB Benefit Base. The difference between the GMDB Benefit Base and the current Contract Value is defined as the "continuation adjustment." The Company will allocate the continuation adjustment to the Investment Divisions and Fixed Account Options based on the current allocation rules for the Contract. The continuation adjustment will have no effect on the Fixed Account Minimum Value defined in the Contract. Upon Spousal Continuation, the optional GMDB terminates, the GMDB Charge will no longer be assessed, and no future benefit will be paid under the add-on benefit. Assessment of GMDB Charge. The GMDB Charge is based on the oldest Covered Life's age on the Effective Date. The GMDB Charge in effect on the Effective Date is shown on the Supplemental Contract Data Pages. The GMDB Charge will be deducted at the end of each Contract Quarter on a pro rata basis from the Investment Divisions and Fixed Account Options when the Fixed Account Contract Value is greater than the Fixed Account Minimum Value or any Investment Division has value. If the Fixed Account Contract Value is reduced to the Fixed Account Minimum Value, as defined in Your Contract, the GMDB Charge will be deducted on a pro rata basis from the Investment Divisions. If no value remains in the Investment Divisions, and the Fixed Account Contract Value is equal to the Fixed Account Minimum Value on any Contract Quarterly Anniversary, the GMDB Charge will not be assessed for that Contract Quarter. The deduction of the GMDB Charge from the Investment Divisions results in a redemption of Accumulation Units. The GMDB Charge will not affect the value of the Accumulation Units. Upon termination of the GMDB, a pro rata GMDB Charge will be deducted from Your Contract Value for the period since the last quarterly GMDB Charge. The GMDB Charge will be calculated before any adjustments to the GMDB Benefit Base for withdrawals. The Company reserves the right to increase the GMDB Charge percentage, subject to the Maximum GMDB Charge provision found on the Supplemental Contract Data Pages."

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![](exhibitd13icc257838004.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;ICC25 7838 4 TERMINATION OF THE GMDB. All benefits under this add-on benefit cease when the GMDB add-on benefit terminates. The GMDB add-on benefit will terminate on the earliest of: 1. the Income Date; 2. the date You take a total withdrawal; 3. any date upon which the Contract Value falls to zero; 4. the date the Company receives Due Proof of any Covered Life's death and a Beneficiary's election of a death benefit option in Good Order at its Customer Care Center; or 5. the date upon which the Spousal Continuation Option is elected. Signed for the Jackson National Life Insurance Company President

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![](exhibitd13icc257838005.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;ICC25 7838-S 1 Jackson National Life Insurance Company® SUPPLEMENTAL CONTRACT DATA PAGES Please refer to the attached Add-On Benefit for further explanation of values shown on these Supplemental Contract Data Pages. Contract Number: [1234567890] Add-on Benefit: Return of Premium Guaranteed Minimum Death Benefit Covered Life: [John Doe] Covered Life Issue Age: [45] Joint Covered Life: [Jane Doe] Joint Covered Life Issue Age: [35] Effective Date: [May 1, 2026] Guaranteed Minimum Death Benefit (GMDB) Charge. The GMDB Charge percentage equals [0.0500%] of the Contract Value on a quarterly basis and is deducted (i) at the end of each Contract Quarter; and (ii) upon termination of the GMDB. This charge may increase, subject to the Maximum GMDB Charge. Maximum GMDB Charge. On each [5th] Contract Anniversary following the Effective Date of this add-on benefit, the Company reserves the right to increase the GMDB Charge percentage by up to [0.0125%] on a quarterly basis. The Maximum GMDB Charge percentage is [0.1000%] on a quarterly basis. If the GMDB Charge percentage is increased, Written Notice will be provided to You [45] days prior to the Contract Anniversary on which the GMDB Charge percentage is scheduled to increase. You may elect to opt out of the current and any future GMDB Charge percentage increases. Upon such election, no future Premium payments will be allowed. Such election is final and must be received in Good Order prior to the Contract Anniversary on which the GMDB Charge percentage is scheduled to increase.

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

**THE INFORMATION IN THIS INITIAL SUMMARY PROSPECTUS IS NOT COMPLETE AND MAY BE CHANGED. WE MAY NOT SELL THE SECURITIES UNTIL THE REGISTRATION STATEMENT FILED WITH THE SECURITIES AND EXCHANGE COMMISSION IS EFFECTIVE. THIS INITIAL SUMMARY PROSPECTUS IS NOT AN OFFER TO SELL THESE SECURITIES AND IS NOT SOLICITING AN OFFER TO BUY THESE SECURITIES IN ANY STATE WHERE THE OFFER OR SALE IS NOT PERMITTED.**

**SUMMARY PROSPECTUS FOR NEW INVESTORS**

**[__________]**

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

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

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

You may cancel your Contract within 10 days of delivery of the Contract. In some states, this cancellation period may be longer. Upon cancellation, you will receive either (i) a full refund of the amount you paid with your application, or (ii) Premiums paid to the Fixed Account, plus the Separate Account Contract Value, plus any fees (other than asset-based fees) and expenses deducted from the Premiums. You should review the prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

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

---

| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| [DEFINITIONS](#i7954084c229e4248a1e1343f580cb99d_7) | [1](#i7954084c229e4248a1e1343f580cb99d_7) |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#i7954084c229e4248a1e1343f580cb99d_10) | [3](#i7954084c229e4248a1e1343f580cb99d_10) |
| [BENEFITS AVAILABLE UNDER THE CONTRACT](#i7954084c229e4248a1e1343f580cb99d_16) | [7](#i7954084c229e4248a1e1343f580cb99d_16) |
| [BUYING THE CONTRACT](#i7954084c229e4248a1e1343f580cb99d_19) | [10](#i7954084c229e4248a1e1343f580cb99d_19) |
| [MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#i7954084c229e4248a1e1343f580cb99d_22) | [10](#i7954084c229e4248a1e1343f580cb99d_22) |
| [ADDITIONAL INFORMATION ABOUT FEES](#i7954084c229e4248a1e1343f580cb99d_25) | [12](#i7954084c229e4248a1e1343f580cb99d_25) |
| [APPENDIX A (FUNDS AVAILABLE UNDER THE CONTRACT)](#i7954084c229e4248a1e1343f580cb99d_28) | A-[1](#i7954084c229e4248a1e1343f580cb99d_28) |
| [BACK COVER PAGE](#i7954084c229e4248a1e1343f580cb99d_31) | B-[1](#i7954084c229e4248a1e1343f580cb99d_31) |

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**DEFINITIONS**

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

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

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

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

**<u>Completed Year</u>** – the succeeding 12 months from the date on which we receive a Premium payment. Completed Years specify the years from the date of receipt of the Premium and does not refer to Contract Years.

For example, if the Premium receipt date is other than the Issue Date or a subsequent Contract Anniversary, there is no correlation of the Contract Anniversary date and Completed Years. For example, if the Issue Date is January 15, 2026 and a Premium payment is received on February 28, 2026 then, although the first Contract Anniversary is January 15, 2027, Completed Year 0-1 for that Premium payment would begin on February 28, 2026 and end on February 27, 2027. Completed Year 1-2 for that Premium payment would begin on February 28, 2027.

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

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

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

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

**<u>Contract Year</u>** – the succeeding 12 months from a Contract's Issue Date and every anniversary. The first Contract Year (Contract Year 0-1) starts on the Contract's Issue Date and extends to, but does not include, the first Contract Anniversary. Subsequent Contract Years start on an anniversary date and extend to, but do not include, the next anniversary date.

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

**<u>Fixed Account</u>** – part of our General Account to which the Contract Value you allocate is guaranteed to earn a stated rate

of return over the specified period. The Fixed Account consists of the Fixed Account Options.

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

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

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

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

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

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

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

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

**<u>Liquidity Option</u>** – an add-on benefit that provides for no withdrawal charges.

**<u>Market Value Adjustment</u>** – an adjustment to the Contract Value allocated to the Fixed Account that is withdrawn, transferred, or annuitized before the end of the period. No Market Value Adjustment will be applied to value withdrawn, transferred, or annuitized from the GMAB Fixed Account Option.

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

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

**<u>Remaining Premium</u>** – total Premium paid into the Contract, reduced by withdrawals of Premium, including withdrawal charges, before withdrawals are adjusted for any applicable Market Value Adjustments or charges.

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

**<u>Separate Account Contract Value</u>** – the sum of all amounts allocated to any of the Contract's Investment Divisions.

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

**[TO BE UPDATED BY AMENDMENT]**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| **Charges for Early Withdrawals** | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | If you withdraw money from your Contract within 5 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 6.5% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $6,500 on a $100,000 investment. The withdrawal charge then declines by 1% or 0.5% per year for each additional Completed Year, until the end of the fifth Completed Year, after which no charge is made. There is an optional Liquidity Option available that provides for no withdrawal charges.  | **<u>Contract Charges- Transaction Expenses: Withdrawal Charge</u>** |
| **Transaction Charges** | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. | **<u>Contract Charges- Transaction Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. | The 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- Add-On Benefit Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | &nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL FEE** | **MINIMUM** | **MINIMUM** | **MAXIMUM** |  |
| **Ongoing Fees and Expenses**<br>(annual charges) | 1. Base Contract<sup>1</sup> | 1.02% | 1.02% | 1.02% | **<u>Contract Charges- Annual Contract Expenses: Core Contract Charge</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | 2. Investment options (Fund fees and expenses)<sup>2</sup> | 0.52% | 0.52% | 2.28% | **<u>Contract Charges- Fund Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | 3. Optional benefits available for an additional charge (for a single optional benefit, if elected)<sup>3</sup> | See current Rate Sheet Prospectus Supplement | See current Rate Sheet Prospectus Supplement | See current Rate Sheet Prospectus Supplement | **<u>Contract Charges- Add-On Benefit Expenses</u>**<br>**<u>Rate Sheet Prospectus Supplement</u>** |
|  | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. |  |
| Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges 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 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 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 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 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 that substantially increase costs**. |
|  | &nbsp;&nbsp;**LOWEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | &nbsp;&nbsp;**LOWEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST:**<br>**See Current Rate Sheet Prospectus Supplement** | **<u>Rate Sheet Prospectus Supplement</u>** |
|  | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No add-on benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No add-on benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals |  |

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| | | |
|:---|:---|:---|
| | **RISKS** | **Location in Prospectus** |
| **Risk of Loss** | You can lose money by investing in this Contract. | **<u>Principal Risks</u>** |
| **Not a<br>Short-Term Investment** | This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 5 years following your last Premium payment. They will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. | **<u>Principal Risks</u>** |
| **Risks Associated with Investment Options** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each investment option (Investment Divisions and Fixed Account Options) has its own unique risks.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Early withdrawals from a Fixed Account Option are subject to a Market Value Adjustment.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You should review the investment options before making an investment decision. | **<u>Principal Risks</u>** |
| **Insurance Company Risks** | Any obligations (including under the Fixed Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request by visiting our website at <u>www.jackson.com</u> or by calling 1-800-644-4565. | **<u>Principal Risks</u>** |
|  | **RESTRICTIONS** |  |
| **Investments** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 25 times in a Contract Year.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Jackson may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options. | **<u>Principal Risks</u>** |
| **Optional Benefits** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not all add-on benefits are available through all broker-dealers and may vary by state or date of purchase.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We may modify or discontinue an add-on benefit at any time.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may reduce the value of certain benefits by an amount greater than the value withdrawn.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certain add-on benefits may come with investment restrictions or allocation requirements.  | **<u>Benefits Available Under the Contracts</u>** |
|  | **TAXES** |  |
| **Tax Implications** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½. | **<u>Taxes</u>** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment<br>Professional<br>Compensation** | Your financial professional or other investment professionals may receive compensation for selling this Contract to you in the form of 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>** |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is in your best interest to purchase the new contract rather than continue to own your existing Contract. | **<u>Non-Qualified Contracts - 1035 Exchanges</u>** |

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**OVERVIEW OF THE CONTRACT**

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

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

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

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

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

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

**Accumulation Phase**

During the accumulation phase, to help you accumulate assets, you can allocate your Premium payments to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a variety of Investment Divisions. Each Investment Division invests in a corresponding (mutual fund) Fund, each of which has its own investment strategies, investment adviser(s), expense ratios, and returns; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a variety of Fixed Account Options, subject to availability, which offer a guaranteed fixed interest rate for a specified period.

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

**Income Phase**

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

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

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

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

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

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

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**Add-on benefits that occur during your lifetime.** For an additional fee, you can purchase the Principal Guard Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") that guarantees a minimum Contract Value at the end of a set period, regardless of the performance of the underlying investment options, subject to certain conditions. The Principal Guard GMAB requires a portion of your Contract Value be allocated to the GMAB Fixed Account Option for a set period of time, leaving you with less Contract Value to allocate to other Contract Options during that time period.

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

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

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

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

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**BENEFITS AVAILABLE UNDER THE CONTRACTS**

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

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

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

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **MAXIMUM FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **EarningsMax** | Increases the amount of the death benefit payable at your death based on a percentage of Contract earnings, which may help offset state and federal taxes due at the time of your death.  | Maximum: 0.70%<br>(as an annualized percentage of the average daily Contract Value in the Investment Divisions) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available only at Contract issue.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The benefit cannot be terminated.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to owners age 75 or younger.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject to maximum benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On each fifth Contract Anniversary, the Guaranteed Minimum Death Benefit ("GMDB") charge may be increased.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No benefit will be paid if (i) there are no earnings in your Contract, or (ii) your spouse exercises the Spousal Continuation Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Fixed Account Options are not available if you elect EarningsMax.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Principal Guard GMAB is not available on Contracts with EarningsMax. |
| **Return of Premium Guaranteed Minimum Death Benefit** | Changes your basic death benefit during the accumulation phase of your Contract to the greater of: (i) Contract Value as of the end of the Business Day on which we receive all required documentation from your Beneficiary; or (ii) all Premiums paid into the Contract (net of any applicable premium taxes and charges), reduced for withdrawals (including any applicable adjustments) in proportion to the reduction in the Contract Value at the time of the withdrawal. | Maximum: 0.40%<br>(as a percentage of benefit base) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to Owners age 80 or younger.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may significantly reduce the value of this Return of Premium Death Benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may reduce the value of this benefit by more than the dollar amount of the withdrawal.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On each fifth Contract Anniversary, the GMDB charge may be increased.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ownership changes are allowed, but Covered Lives cannot be changed. |

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

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Liquidity Option** | If you elect this Option, you will not pay a withdrawal charge when you make a partial or full withdrawal. This option removes the five year withdrawal charge schedule that would otherwise apply. Best if you anticipate taking or needing to take a large withdrawal that would otherwise be subject to charges under the five year withdrawal charge schedule imposed on each Premium payment. | 0.25% <br>(as an annualized percentage of the average daily Contract Value in the Investment Divisions) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges are deducted daily as part of the calculation of the value of the Accumulation Units.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Principal Guard GMAB is not available on Contracts with the Liquidity Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Must be added on the Issue Date. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Terminates when you annuitize. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cannot be cancelled by you (except upon spousal continuation). |
| **Principal Guard GMAB** | Provides downside principal protection alongside growth opportunities by providing a Guaranteed Value at the end of a Guarantee Term, regardless of market performance. | Maximum: 3.00% <br>(as a percentage of benefit base) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to Owners age 85 or younger.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Additional premium restricted during the Guarantee Term (beginning on day 91 after the Issue Date). No additional premium permitted if elected post-issue.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automatically terminates at end of Guarantee Term unless re-elected pursuant to specified timing requirements.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subsequent elections of this benefit will be assigned rates applicable to new elections at that time, which may be higher or lower than subsequent elections of the benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not available on Contracts with EarningsMax or the Liquidity Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not available on Stretch Contracts or on Contracts where a Death Benefit payout option has been elected by a beneficiary.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not available as a source or target option in connection with DCA, DCA+, or Earnings Sweep.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automatic Rebalancing will not be available to or from the GMAB Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Election of this add-on benefit requires you to allocate a set percentage of Contract Value to the GMAB Fixed Account Option. |

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

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Rebalancing** | Automatically reallocates your Contract Value among Investment Divisions and the one-year Fixed Account Option (if currently available) periodically to maintain your selected allocation percentages. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rebalancing will terminate if your rebalancing program includes the one-year Fixed Account Option and we impose any transfer restrictions or requirements on the one-year Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Dollar Cost Averaging** | Automatically transfers a dollar amount or percentage of money periodically from the one-year Fixed Account Option or any of the Investment Divisions into the Investment Divisions and other Fixed Account Options. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option You may cancel your Dollar Cost Averaging program using whatever methods you use to change your allocation instructions.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Dollar Cost Averaging Plus (DCA+)** | If available, offers a fixed interest rate that we guarantee for a period of up to one year in connection with systematic transfers from the DCA+ Fixed Account Option to one or more of the Investment Divisions or other Fixed Account Options. From time to time, we will offer special enhanced rates on the DCA+ Fixed Account Option. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The DCA+ Fixed Account Option is only available for new Premiums.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A Contract Value of $15,000 is required to participate.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Earnings Sweep** | Allows you to choose to move your earnings from the source accounts (only applicable from the one-year Fixed Account Option, if currently available, and the JNL/Dreyfus Government Money Market Investment Division). |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**•** May only be added within 30 days of the issue date of your Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |

---

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**BUYING THE CONTRACT** 

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

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

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

A. You may allocate Premium payments in the available Investment Divisions and Fixed Account Options.

---

| | | |
|:---|:---|:---|
| | **NON-QUALIFIED CONTRACTS** | **QUALIFIED CONTRACTS** |
| **Minimum Initial Premium** | $5,000<br>(under most circumstances) | $2000 |
| **Minimum Subsequent Premiums** | $500<br>($50 for auto payment plan) | $500<br>($50 for auto payment plan) |
| **Maximum Total Premiums** | $1,000,000 (without prior approval)<br>Jackson reserves the right to lower the maximum. | $1,000,000 (without prior approval)<br>Jackson reserves the right to lower the maximum. |

---

You can pay additional Premiums at any time during the accumulation phase unless a specific add-on benefit or feature provides limitation. We can limit, restrict, suspend or reject any Premium payments for any reason. Allocation restrictions may apply to certain options.

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

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

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

---

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

---

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

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

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

A.&nbsp;&nbsp;&nbsp;&nbsp;Until you annuitize, you have full access to your money. You can choose to withdraw your Contract Value at any time (although if you withdraw early, you may have to pay a withdrawal charge, a contract maintenance charge, charges due under any add-on benefit, a Market Value Adjustment, and/or taxes, including tax penalties). If you choose the optional Liquidity Option, you will not pay a withdrawal charge on a partial or full withdrawal.

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

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

------

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

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

---

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

---

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

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

---

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

---

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

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

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

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**ADDITIONAL INFORMATION ABOUT FEES** 

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

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

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

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) | &nbsp;&nbsp;&nbsp;**Withdrawal Charge** (as a percentage of Remaining Premium) |
| Completed Years Since Receipt Of Premium | 0-1 | 1-2 | 2-3 | 3-4 | 4-5 | 5+ |
| Withdrawal Charge | 6.5% | 6.0% | 5.0% | 4.0% | 3.0% | 0.0% |

---

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

---

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

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

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

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

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

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| | |
|:---|:---|
| **Administrative Charges** | **Maximum**<br>**<u>Charge</u>** |
| Annual Contract Maintenance Charge<sup>1</sup> | &nbsp;&nbsp;$50 |
| **Base Contract Charges <br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Core Contract Charge<sup>2</sup> | &nbsp;&nbsp;1.00% |

---

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

<sup>2</sup><sup>.</sup> This charge is reduced to 0.85% if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1 million (for Contracts issued prior to October 21, 2024), or $250,000 (for Contracts issued on or after October 21, 2024).

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

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

---

| | |
|:---|:---|
| **Optional Benefit Charges** | |
| **Add-On Benefit Charges <br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Liquidity Option | 0.25% |
| Earnings Protection Benefit ("EarningsMax") | 0.70% |
| **Add-On Benefit Charges <br>(% of benefit base)** | **Maximum**<br>**<u>Charge</u>** |
| Guaranteed Minimum Accumulation Benefit ("Principal Guard") | 3.00% |
| Return of Premium Guaranteed Minimum Death Benefit | 0.40% |

---

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

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

**<u>[TO BE UPDATED BY AMENDMENT]</u>**

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

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**EXAMPLE**

**[TO BE UPDATED BY AMENDMENT]**

The table below is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses and annual Fund expenses. The Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, and assumes the most expensive combination of annual Fund expenses and add-on benefits available for an additional charge (using the maximum possible charge). Although your actual costs may be higher or lower, based on these assumptions your costs would be:

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** |
| **1 Year** | **3 Years** | **5 Years** | **10 Years** | **1 Year\*** | **3 Years** | **5 Years** | **10 Years** | **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $13143 | $24592 | $35105 | $61572 | $13143 | $19592 | $32105 | $61572 | $6643 | $19592 | $32105 | $61572 |

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\*Withdrawal charges apply to annuitizations occurring within one year of the Contract's Issue Date.

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

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**APPENDIX A**

**FUNDS AVAILABLE UNDER THE CONTRACT**

**[TO BE UPDATED BY AMENDMENT]**

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 1-800-644-4565 or by sending an email request to ProspectusRequest@jackson.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/American Funds Balanced Fund**<sup>1</sup> |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.90%<sup>2</sup> | 16.05% | 7.93% | 7.41% |
| Fixed Income | **JNL/American Funds Bond Fund of America Fund**<sup>1</sup> |  |  |  |  |
| Fixed Income | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.83%<sup>2</sup> | 0.87% | N/A | N/A |
| Allocation | **JNL/American Funds Capital Income Builder Fund**<sup>1</sup> |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.96%<sup>2</sup> | 9.77% | 5.58% | N/A |
| Fixed Income | **JNL/American Funds Capital World Bond Fund**<sup>1</sup> |  |  |  |  |
| Fixed Income | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.05%<sup>2</sup> | (3.34)% | (2.73)% | (0.39)% |
| International/Global Equity | **JNL/American Funds Global Growth Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.06%<sup>2</sup> | 13.23% | 9.37% | 10.40% |
| International/Global Equity | **JNL/American Funds Global Small Capitalization Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.23%<sup>2</sup> | 2.05% | 2.67% | 5.47% |
| U.S. Equity | **JNL/American Funds Growth Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.91%<sup>2</sup> | 31.26% | 18.46% | 16.19% |
| U.S. Equity | **JNL/American Funds Growth-Income Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.91%<sup>2</sup> | 23.75% | 12.59% | 11.77% |
| International/Global Equity | **JNL/American Funds International Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.17%<sup>2</sup> | 2.74% | 0.84% | 3.61% |
| International/Global Equity | **JNL/American Funds New World Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.26%<sup>2</sup> | 6.09% | 4.08% | 5.78% |
| U.S. Equity | **JNL/American Funds**<sup>®</sup> **Washington Mutual Investors Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.91%<sup>2</sup> | 18.64% | 11.76% | 9.86% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Alternative | **JNL Multi-Manager Alternative Fund** |  |  |  |  |
| Alternative | (Boston Partners Global Investors, Inc.; DoubleLine Capital LP; First Pacific Advisors, LP; Kayne Anderson Rudnick Investment Management, LLC; Lazard Asset Management LLC; Loomis, Sayles & Company, L.P.; and Westchester Capital Management, LLC) | 2.22%<sup>2</sup> | 9.59% | 3.85% | N/A |
| International/Global Equity | **JNL Multi-Manager Emerging Markets Equity Fund** |  |  |  |  |
| International/Global Equity | (GQG Partners LLC, Kayne Anderson Rudnick Investment Management, LLC; T. Rowe Price Associates, Inc. (Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited); and WCM Investment Management, LLC) | 1.23% | 4.58% | (0.98)% | 1.34% |
| Fixed Income | **JNL Multi-Manager Floating Rate Income Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.; FIAM LLC) | 0.93% | 8.13% | 3.98% | 3.77% |
| International/Global Equity | **JNL Multi-Manager International Small Cap Fund** |  |  |  |  |
| International/Global Equity | (Causeway Capital Management LLC; and WCM Investment Management, LLC) | 1.22% | 4.98% | 6.45% | N/A |
| U.S. Equity | **JNL Multi-Manager Mid Cap Fund** |  |  |  |  |
| U.S. Equity | (Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; River Road Asset Management, LLC; and Victory Capital Management Inc.) | 1.09% | 6.97% | 7.39% | N/A |
| U.S. Equity | **JNL Multi-Manager Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (BAMCO, Inc.; Driehaus Capital Management, LLC; Granahan Investment Management, Inc.; Kayne Anderson Rudnick Investment Management, LLC; Segall Bryant & Hamill, LLC; and WCM Investment Management, LLC) | 0.98% | 9.66% | 5.79% | 8.50% |
| U.S. Equity | **JNL Multi-Manager Small Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; and WCM Investment Management, LLC) | 1.09% | 9.46% | 8.63% | 7.24% |
| U.S. Equity | **JNL Multi-Manager U.S. Select Equity Fund** |  |  |  |  |
| U.S. Equity | (GQG Partners, LLC; River Road Asset Management, LLC; and WCM Investment Management, LLC) | 0.98% | 35.25% | N/A | N/A |
| Allocation | **JNL Moderate ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.82% | 6.79% | 3.53% | 4.27% |
| Allocation | **JNL Moderate Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.82% | 9.10% | 5.26% | 5.79% |
| Allocation | **JNL Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.83% | 11.26% | 6.76% | 7.10% |
| Allocation | **JNL/American Funds Moderate Allocation Fund** |  |  |  |  |
| Allocation |  | 0.97% | N/A | N/A | N/A |
| Allocation | **JNL/American Funds Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.98% | 9.66% | 5.91% | 6.47% |
| Allocation | **JNL/American Funds Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.99% | 12.80% | 7.80% | 8.26% |
| International/Global Equity | **JNL/AB Sustainable Global Thematic Fund** |  |  |  |  |
| International/Global Equity | (AllianceBernstein L.P.) | 1.21% | 6.11% | N/A | N/A |
| U.S. Equity | **JNL/AQR Large Cap Defensive Style Fund** |  |  |  |  |
| U.S. Equity | (AQR Capital Management, LLC) | 0.86% | 15.32% | 9.71% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/BlackRock Global Allocation Fund** |  |  |  |  |
| Allocation | (BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited; Sub-Sub-Adviser BlackRock (Singapore) Limited) | 1.06% | 9.38% | 6.10% | 5.49% |
| Alternative | **JNL/BlackRock Global Natural Resources Fund** |  |  |  |  |
| Alternative | (BlackRock International Limited) | 0.99% | (3.58)% | 8.74% | 3.07% |
| U.S. Equity | **JNL/BlackRock Large Cap Select Growth Fund** |  |  |  |  |
| U.S. Equity | (BlackRock Investment Management, LLC) | 0.83%<sup>2</sup> | 31.48% | 15.31% | 14.63% |
| International/Global Equity | **JNL/Causeway International Value Select Fund** |  |  |  |  |
| International/Global Equity | (Causeway Capital Management LLC) | 0.97% | 4.49% | 7.45% | 5.71% |
| U.S. Equity | **JNL/ClearBridge Large Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (ClearBridge Investments, LLC) | 0.93% | 27.55% | 14.50% | N/A |
| Sector Equity | **JNL/Cohen & Steers U.S. Realty Fund** |  |  |  |  |
| Sector Equity | (Cohen & Steers Capital Management, Inc.) | 1.03% | 4.46% | 3.28% | N/A |
| International/Global Equity | **JNL/DFA International Core Equity Fund** |  |  |  |  |
| International/Global Equity | (Dimensional Fund Advisors LP) | 0.90% | 3.94% | 4.70% | N/A |
| U.S. Equity | **JNL/DFA U.S. Core Equity Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.80% | 20.40% | 12.80% | 11.35% |
| U.S. Equity | **JNL/DFA U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.98% | 9.24% | 9.67% | 8.24% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Core Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.78% | 2.29% | (0.32)% | 1.39% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Emerging Markets Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 1.08% | 6.82% | 0.62% | N/A |
| U.S. Equity | **JNL/DoubleLine**<sup>®</sup> **Shiller Enhanced CAPE**<sup>®</sup> **Fund** |  |  |  |  |
| U.S. Equity | (DoubleLine Capital LP) | 0.98% | 13.06% | 9.44% | N/A |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Total Return Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.83% | 2.56% | (0.85)% | 1.07% |
| Fixed Income | **JNL/Dreyfus Government Money Market Fund** |  |  |  |  |
| Fixed Income | (Mellon Investments Corporation) | 0.56% | 4.77% | 2.04% | 1.29% |
| Fixed Income | **JNL/Fidelity Institutional Asset Management**<sup>®</sup> **Total Bond Fund** |  |  |  |  |
| Fixed Income | (FIAM LLC) | 0.79% | 1.76% | 0.23% | 1.39% |
| Alternative | **JNL/First Sentier Global Infrastructure Fund** |  |  |  |  |
| Alternative | (First Sentier Investors (Australia) IM Ltd) | 1.14% | 5.64% | 2.55% | 3.11% |
| Allocation | **JNL/Franklin Templeton Income Fund** |  |  |  |  |
| Allocation | (Franklin Advisers, Inc.) | 0.92% | 6.38% | 4.95% | 5.09% |
| U.S. Equity | **JNL/Goldman Sachs 4 Fund** |  |  |  |  |
| U.S. Equity | (Goldman Sachs Asset Management, L.P.) | 0.70% | 19.21% | 11.46% | 9.31% |
| International/Global Equity | **JNL/GQG Emerging Markets Equity Fund** |  |  |  |  |
| International/Global Equity | (GQG Partners LLC) | 1.33% | 5.03% | 6.59% | N/A |
| U.S. Equity | **JNL/Invesco Diversified Dividend Fund** |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | 0.98% | 12.59% | 7.42% | N/A |
| International/Global Equity | **JNL/Invesco Global Growth Fund** |  |  |  |  |
| International/Global Equity | (Invesco Advisers, Inc.) | 0.97% | 15.83% | 9.33% | 9.68% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| U.S. Equity | **JNL/Invesco Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | 1.04% | 16.72% | 7.29% | 8.20% |
| Allocation | **JNL/JPMorgan Global Allocation Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.06%<sup>2</sup> | 8.36% | 3.76% | 4.35% |
| Alternative | **JNL/JPMorgan Hedged Equity Fund** |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | 0.96% | 17.86% | 9.92% | N/A |
| U.S. Equity | **JNL/JPMorgan MidCap Growth Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.89% | 14.12% | 10.99% | 11.61% |
| Alternative | **JNL/JPMorgan Nasdaq**<sup>®</sup> **Hedged Equity Fund** |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | 1.00% | N/A | N/A | N/A |
| Fixed Income | **JNL/JPMorgan U.S. Government & Quality Bond Fund** |  |  |  |  |
| Fixed Income | (J.P. Morgan Investment Management Inc.) | 0.70% | 1.15% | (0.52)% | 0.85% |
| U.S. Equity | **JNL/JPMorgan U.S. Value Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.88% | 14.72% | 8.26% | 7.09% |
| International/Global Equity | **JNL/Lazard International Quality Growth Fund** |  |  |  |  |
| International/Global Equity | (Lazard Asset Management LLC) | 1.06% | 0.59% | 3.17% | 4.98% |
| International/Global Equity | **JNL/Loomis Sayles Global Growth Fund** |  |  |  |  |
| International/Global Equity | (Loomis, Sayles & Company, L.P.) | 1.00% | 22.45% | 11.90% | N/A |
| Fixed Income | **JNL/Lord Abbett Short Duration Income Fund** |  |  |  |  |
| Fixed Income | (Lord, Abbett & Co. LLC) | 0.80% | 5.10% | N/A | N/A |
| U.S. Equity | **JNL/Mellon Dow**<sup>SM</sup> **Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.65% | 14.21% | 9.82% | 10.86% |
| International/Global Equity | **JNL/Mellon Emerging Markets Index Fund**<sup>3</sup> |  |  |  |  |
| International/Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.77%<sup>2</sup> | 5.56% | 1.10% | 2.97% |
| International/Global Equity | **JNL/Mellon World Index Fund** |  |  |  |  |
| International/Global Equity | (Mellon Investments Corporation) | 0.65% | 18.04% | 10.82% | 8.72% |
| U.S. Equity | **JNL/Mellon Nasdaq**<sup>®</sup> **100 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.64% | 25.09% | 19.43% | 17.07% |
| U.S. Equity | **JNL/Mellon S&P 500 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.52% | 24.39% | 13.95% | 12.53% |
| U.S. Equity | **JNL/Mellon S&P 400 MidCap Index Fund**<sup>3</sup> |  |  |  |  |
| U.S. Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.56%<sup>2</sup> | 13.34% | 9.74% | 9.10% |
| U.S. Equity | **JNL/Mellon Small Cap Index Fund**<sup>3</sup> |  |  |  |  |
| U.S. Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.56%<sup>2</sup> | 8.03% | 7.78% | 8.18% |
| International/Global Equity | **JNL/Mellon International Index Fund**<sup>3</sup> |  |  |  |  |
| International/Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.61%<sup>2</sup> | 2.92% | 4.25% | 4.83% |
| Fixed Income | **JNL/Mellon Bond Index Fund**<sup>3</sup> |  |  |  |  |
| Fixed Income | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.57%<sup>2</sup> | 0.70% | (0.88)% | 0.74% |
| U.S. Equity | **JNL/Mellon U.S. Stock Market Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.61% | 23.39% | 13.36% | N/A |
| Sector Equity | **JNL/Mellon Communication Services Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.65% | 38.44% | 12.56% | 10.95% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Sector Equity | **JNL/Mellon Consumer Discretionary Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.64% | 24.70% | 14.81% | 13.12% |
| Sector Equity | **JNL/Mellon Consumer Staples Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.65% | 13.52% | 7.48% | N/A |
| Sector Equity | **JNL/Mellon Energy Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.64% | 5.96% | 11.60% | 3.55% |
| Sector Equity | **JNL/Mellon Financial Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.64% | 30.37% | 10.52% | 10.55% |
| Sector Equity | **JNL/Mellon Healthcare Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.63% | 2.02% | 6.65% | 8.25% |
| Sector Equity | **JNL/Mellon Industrials Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.66% | 15.72% | 11.74% | N/A |
| Sector Equity | **JNL/Mellon Information Technology Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.61% | 35.27% | 22.98% | 20.88% |
| Sector Equity | **JNL/Mellon Materials Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.67% | (2.32)% | 8.44% | N/A |
| Sector Equity | **JNL/Mellon Real Estate Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.66% | 4.34% | 2.37% | N/A |
| Sector Equity | **JNL/Mellon Utilities Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.65% | 25.69% | 6.20% | 7.94% |
| U.S. Equity | **JNL/MFS Mid Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Massachusetts Financial Services Company (d/b/a MFS Investment Management)) | 0.95% | 13.91% | 9.55% | 7.87% |
| Alternative | **JNL/Morningstar PitchBook Listed Private Equity Index Fund** |  |  |  |  |
| Alternative | (Mellon Investments Corporation) | 0.81% | 21.11% | N/A | N/A |
| U.S. Equity | **JNL/Morningstar SMID Moat Focus Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.76% | N/A | N/A | N/A |
| U.S. Equity | **JNL/Morningstar U.S. Sustainability Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.71% | 20.44% | 13.82% | N/A |
| U.S. Equity | **JNL/Morningstar Wide Moat Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.75% | 10.51% | 12.12% | N/A |
| Alternative | **JNL/Neuberger Berman Commodity Strategy Fund** |  |  |  |  |
| Alternative | (Neuberger Berman Investment Advisers LLC) | 0.93% | 6.27% | 8.77% | 3.14% |
| Alternative | **JNL/Neuberger Berman Gold Plus Strategy Fund** |  |  |  |  |
| Alternative | (Neuberger Berman Investment Advisers LLC) | 1.23% | 24.86% | N/A | N/A |
| Fixed Income | **JNL/Neuberger Berman Strategic Income Fund** |  |  |  |  |
| Fixed Income | (Neuberger Berman Investment Advisers LLC) | 0.94% | 5.53% | 2.56% | 3.05% |
| U.S. Equity | **JNL/Newton Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Newton Investment Management North America, LLC) | 0.87% | 17.04% | 12.77% | 11.07% |
| Fixed Income | **JNL/PIMCO Income Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.15% | 4.63% | 2.24% | N/A |
| Fixed Income | **JNL/PIMCO Investment Grade Credit Bond Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.16% | 2.75% | 0.08% | 2.35% |
| Fixed Income | **JNL/PIMCO Real Return Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.34% | 2.04% | 1.91% | 2.04% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **JNL/PPM America High Yield Bond Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.75% | 7.93% | 3.63% | 4.27% |
| Fixed Income | **JNL/PPM America Investment Grade Credit Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.83% | N/A | N/A | N/A |
| Fixed Income | **JNL/PPM America Total Return Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.79% | 2.06% | 0.31% | 1.87% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Fundamental U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.67% | 10.72% | 9.56% | 5.60% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Multi-Factor U.S. Equity Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.67% | 18.64% | 11.19% | 8.84% |
| Allocation | **JNL/T. Rowe Price Balanced Fund** |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Advisers: T. Rowe Price Investment Management, Inc.; T. Rowe Price Australia Limited; and T. Rowe Price International Ltd) | 0.97%<sup>2</sup> | 11.56% | 6.37% | 5.88% |
| Allocation | **JNL/T. Rowe Price Capital Appreciation Fund** |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.97%<sup>2</sup> | 12.30% | 10.16% | 10.09% |
| U.S. Equity | **JNL/T. Rowe Price Capital Appreciation Equity Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 1.00%<sup>2</sup> | N/A | N/A | N/A |
| U.S. Equity | **JNL/T. Rowe Price Growth Stock Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.83%<sup>2</sup> | 29.95% | 13.04% | 13.60% |
| U.S. Equity | **JNL/T. Rowe Price Mid-Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.98%<sup>2</sup> | 9.17% | 7.32% | 9.89% |
| Fixed Income | **JNL/T. Rowe Price Short-Term Bond Fund** |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited) | 0.72%<sup>2</sup> | 4.65% | 1.62% | 1.61% |
| Fixed Income | **JNL/T. Rowe Price U.S. High Yield Fund** |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.94%<sup>2</sup> | 8.04% | 2.55% | N/A |
| U.S. Equity | **JNL/T. Rowe Price Value Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.87%<sup>2</sup> | 14.84% | 10.19% | 9.12% |
| Allocation | **JNL/Vanguard Moderate ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.70% | 7.14% | 3.41% | N/A |
| Allocation | **JNL/Vanguard Moderate Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.69% | 9.59% | 5.10% | N/A |
| Allocation | **JNL/Vanguard Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.68% | 11.84% | 6.73% | N/A |
| International/Global Equity | **JNL/WCM China Quality Growth Fund** |  |  |  |  |
| International/Global Equity | (WCM Investment Management, LLC) | 1.36% | (0.82)% | N/A | N/A |
| International/Global Equity | **JNL/WCM Focused International Equity Fund** |  |  |  |  |
| International/Global Equity | (WCM Investment Management, LLC) | 1.10% | 7.10% | 6.57% | 9.12% |
| Alternative | **JNL/Westchester Capital Event Driven Fund** |  |  |  |  |
| Alternative | (Westchester Capital Management, LLC) | 1.83% | 4.79% | 3.38% | N/A |
| International/Global Equity | **JNL/William Blair International Leaders Fund** |  |  |  |  |
| International/Global Equity | (William Blair Investment Management, LLC) | 0.97% | (0.95)% | 0.24% | 2.76% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) | Average Annual Total Returns <br>(as of 12/31/24) |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/WMC Balanced Fund** |  |  |  |  |
| Allocation | (Wellington Management Company LLP) | 0.71% | 14.64% | 7.48% | 7.59% |
| U.S. Equity | **JNL/WMC Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.89% | 12.54% | 9.23% | N/A |
| Sector Equity | **JNL/WMC Global Real Estate Fund** |  |  |  |  |
| Sector Equity | (Wellington Management Company LLP) | 1.03% | 5.63% | (1.40)% | 1.80% |
| U.S. Equity | **JNL/WMC Value Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.79% | 10.88% | 8.24% | 7.96% |
| Allocation | **JNL/JPMorgan Managed Conservative Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.10% | 4.66% | 1.83% | 2.75% |
| Allocation | **JNL/JPMorgan Managed Moderate Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.10% | 7.07% | 3.77% | 4.47% |
| Allocation | **JNL/JPMorgan Managed Moderate Growth Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.09% | 9.74% | 5.74% | 6.17% |
| Allocation | **JNL/JPMorgan Managed Growth Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.10% | 12.36% | 7.65% | 8.03% |
| Allocation | **JNL/JPMorgan Managed Aggressive Growth Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.11% | 13.64% | 8.59% | 8.82% |
| Allocation | **JNL Conservative Allocation Fund** |  |  |  |  |
| Allocation |  | 1.22% | 5.56% | 2.24% | 3.04% |
| Allocation | **JNL Moderate Allocation Fund** |  |  |  |  |
| Allocation |  | 1.21% | 7.64% | 4.18% | 4.47% |
| Allocation | **JNL Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.20% | 9.17% | 5.39% | 5.76% |
| Allocation | **JNL Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.17% | 10.60% | 6.48% | 6.76% |
| Allocation | **JNL Aggressive Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.14% | 11.93% | 7.38% | 7.49% |

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| | |
|:---|:---|
| 1 | Capital Research and Management Company is the investment adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. |
| 2 | The Fund's current expenses reflect temporary fee reductions. |
| 3 | Mellon Investments Corporation is the investment sub-adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. |

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**Back Cover Page**

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

Separate Account EDGAR contract identifier #C000218277