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About Jackson National
Jackson National Life Insurance Company is one of the largest annuity providers in the United States, managing over $350 billion in assets. They are particularly well-known for their variable annuity products and have been a leader in the registered index-linked annuity (RILA) space. Jackson offers a broad range of products suitable for both accumulation and income needs.
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How we scored them
Income Options89/100
Financial Strength90/100
Fees & Costs78/100
Flexibility92/100
Customer Service85/100
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The tradeoffs
What works
- Massive asset base ($350B+) providing stability
- Leader in variable and RILA annuities
- Competitive income rider payouts
- Strong investment management capabilities
- Wide distribution network
What to watch
- Variable annuity fees can be complex
- Recent corporate restructuring (IPO from Prudential plc)
- Fixed annuity rates not always top-tier
- Some products have high minimum investments
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Income rider fees
Disclosed charges for optional riders on Jackson products, live from Annuity Rate Watch. Product-level detail is on each review.
| Rider | Product | Fee |
|---|---|---|
| Income Assurance GMWB | Income Assurance 10 | 1.10% annually (3.00% max) |
| IncomeAccelerator | MarketProtector 7-Year | 1.10% annually (2.20% max) |
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Best fit for these buyers
Investors comfortable with market exposure
Those seeking variable annuity flexibility
Retirees wanting RILA downside protection with upside
Ages 45-65 in accumulation phase
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Frequently asked questions
Is Jackson National a good annuity company?
Jackson National earns an average rating of 4.0/5 across the 7 products we've reviewed, and A.M. Best rates the carrier A for financial strength. We describe its financial position as "Excellent" with $350+ Billion in total assets.
What are the fees for Jackson National annuities?
Fee structures vary by product. Optional income riders on Jackson National products carry disclosed charges — for example Income Assurance GMWB (Income Assurance 10): 1.10% annually (3.00% max); IncomeAccelerator (MarketProtector 7-Year): 1.10% annually (2.20% max). See each product review for the full fee detail.
What is the surrender period for Jackson National annuities?
Surrender periods on Jackson National's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.