Jackson Adds Guaranteed Minimum Accumulation Benefit to Elite Access® Variable Annuity Suite
Jackson National Life Insurance Company, a subsidiary of Jackson Financial Inc. (NYSE: JXN), has introduced Principal Guard, a new guaranteed minimum accumulation benefit (GMAB) for its Elite Access® Suite of variable annuities. This add-on feature allows clients to invest with no downside risk over a selected term, offering protection while pursuing growth potential.
Principal Guard provides two guarantee term options: a 7-year option ensuring 100% of the original investment, and a 10-year option guaranteeing 110% of the initial investment at the end of the term. The Elite Access Suite also offers Investment Freedom®, allowing customers to invest in various well-known investments and work with investment managers to meet their goals.
This new offering aims to meet the growing market demand for protection-oriented products while providing benefits such as tax deferral, guaranteed accumulation, and legacy planning options. Jackson has also enhanced its digital capabilities to educate consumers on the product's features and benefits.
Jackson National Life Insurance Company, una filiale di Jackson Financial Inc. (NYSE: JXN), ha introdotto Principal Guard, un nuovo beneficio di accumulo minimo garantito (GMAB) per la sua Suite di rendite variabili Elite Access®. Questa funzionalità aggiuntiva consente ai clienti di investire con nessun rischio al ribasso per un periodo selezionato, offrendo protezione mentre si cerca di ottenere un potenziale di crescita.
Principal Guard offre due opzioni di termine di garanzia: un opzione di 7 anni che garantisce il 100% dell'investimento originale e un opzione di 10 anni che garantisce il 110% dell'investimento iniziale alla fine del termine. La Suite Elite Access offre anche Investment Freedom®, che consente ai clienti di investire in vari investimenti famosi e collaborare con gestori di investimenti per raggiungere i loro obiettivi.
Questa nuova offerta mira a soddisfare la crescente domanda del mercato per prodotti orientati alla protezione, offrendo vantaggi come differimento fiscale, accumulo garantito e opzioni di pianificazione successoria. Jackson ha anche potenziato le sue capacità digitali per educare i consumatori sulle caratteristiche e i vantaggi del prodotto.
Jackson National Life Insurance Company, una subsidiaria de Jackson Financial Inc. (NYSE: JXN), ha introducido Principal Guard, un nuevo beneficio de acumulación mínima garantizada (GMAB) para su Suite de anuidades variables Elite Access®. Esta función adicional permite a los clientes invertir con ningún riesgo a la baja durante un plazo seleccionado, ofreciendo protección mientras persiguen el potencial de crecimiento.
Principal Guard proporciona dos opciones de término de garantía: una opción de 7 años que asegura el 100% de la inversión original, y una opción de 10 años que garantiza el 110% de la inversión inicial al final del término. La Suite Elite Access también ofrece Investment Freedom®, permitiendo a los clientes invertir en diversas inversiones reconocidas y trabajar con gerentes de inversión para lograr sus objetivos.
Esta nueva oferta tiene como objetivo satisfacer la creciente demanda del mercado de productos orientados a la protección, al tiempo que proporciona beneficios como diferimiento de impuestos, acumulación garantizada y opciones de planificación patrimonial. Jackson también ha mejorado sus capacidades digitales para educar a los consumidores sobre las características y beneficios del producto.
잭슨 내셔널 생명보험 회사(Jackson National Life Insurance Company)는 잭슨 파이낸셜 주식회사(Jackson Financial Inc.)의 자회사로서 (NYSE: JXN), Principal Guard라는 새로운 보장된 최소 적립 혜택(GMAB)을 도입했습니다. 이 부가 기능은 고객이 선택한 기간 동안 하향 위험이 없는 투자를 할 수 있도록 하여 성장 가능성을 추구하는 동안 보호를 제공합니다.
Principal Guard는 두 가지 보장 기간 옵션을 제공합니다: 원래 투자금의 100%를 보장하는 7년 옵션과 기간 종료 시 초기 투자금의 110%를 보장하는 10년 옵션입니다. Elite Access Suite는 Investment Freedom®도 제공하여 고객이 잘 알려진 다양한 투자에 투자하고 투자 관리자와 협력하여 목표를 달성할 수 있도록 합니다.
이 새로운 제안은 보호 지향 제품에 대한 시장 수요 증가에 부응하며 세금 이연, 보장된 적립 및 유산 계획 옵션과 같은 이점을 제공합니다. 잭슨은 또한 제품의 특징과 이점에 대해 소비자 교육을 강화하기 위해 디지털 역량을 향상시켰습니다.
Jackson National Life Insurance Company, une filiale de Jackson Financial Inc. (NYSE: JXN), a introduit Principal Guard, un nouveau bénéfice d'accumulation minimale garantie (GMAB) pour sa Suite d'annuités variables Elite Access®. Cette fonctionnalité supplémentaire permet aux clients d'investir avec aucun risque à la baisse sur une période sélectionnée, offrant ainsi une protection tout en cherchant à réaliser un potentiel de croissance.
Principal Guard fournit deux options de durée de garantie : une option de 7 ans garantissant 100 % de l'investissement initial, et une option de 10 ans garantissant 110 % de l'investissement initial à la fin de la période. La Suite Elite Access propose également Investment Freedom®, permettant aux clients d'investir dans divers investissements bien connus et de collaborer avec des gestionnaires d'investissement pour atteindre leurs objectifs.
Cette nouvelle offre vise à répondre à la demande croissante du marché pour des produits orientés vers la protection tout en offrant des avantages tels que report d'impôt, accumulation garantie et options de planification successorale. Jackson a également amélioré ses capacités numériques pour éduquer les consommateurs sur les caractéristiques et les avantages du produit.
Die Jackson National Life Insurance Company, eine Tochtergesellschaft der Jackson Financial Inc. (NYSE: JXN), hat Principal Guard eingeführt, eine neue garantierte Mindestakkumulationsleistung (GMAB) für ihre Elite Access® Suite von variablen Annuitäten. Dieses Zusatzfeature ermöglicht es den Kunden, über einen ausgewählten Zeitraum ohne Abwärtsrisiko zu investieren, und bietet Schutz, während sie das Wachstumspotenzial anstreben.
Principal Guard bietet zwei Garantieterminaloptionen: eine 7-Jahres-Option, die 100% der ursprünglichen Investition sichert, und eine 10-Jahres-Option, die am Ende der Laufzeit 110% der anfänglichen Investition garantiert. Die Elite Access Suite bietet auch Investment Freedom®, die es den Kunden ermöglicht, in verschiedene bekannte Anlagen zu investieren und mit Anlageberatern zusammenzuarbeiten, um ihre Ziele zu erreichen.
Dieses neue Angebot zielt darauf ab, der wachsenden Marktnachfrage nach schutzorientierten Produkten gerecht zu werden und bietet Vorteile wie steuerliche Stundung, garantierte Ansammlung und Nachlassplanungsoptionen. Jackson hat auch seine digitalen Fähigkeiten verbessert, um Verbraucher über die Merkmale und Vorteile des Produkts zu informieren.
- Introduction of Principal Guard, a new GMAB offering protection with growth potential
- 7-year guarantee option ensuring 100% of original investment
- 10-year guarantee option providing 110% of initial investment
- Investment Freedom® feature allowing diverse investment options
- Enhanced digital capabilities for consumer education
- Additional charges for the GMAB feature
- Withdrawals reduce the guarantee benefit base proportionally
- Variable annuities involve investment risks and may lose value
Insights
Principal Guard provides the opportunity to pursue growth while protecting the guaranteed amount at the end of a selected term
“The addition of Principal Guard to Jackson’s Elite Access Suite positions us to better meet the evolving market demand for protection-oriented products,” said Brian Sward, Head of Product Solutions for Jackson National Life Distributors LLC (JNLD), the marketing and distribution business of Jackson. “Through our enhanced digital capabilities, we also provide consumers a user-friendly ecosystem that educates on the variety of features and benefits available in the Elite Access Suite, including access to a data-driven performance tool that can generate customized, hypothetical scenarios of the various product benefits, growth potential from tax deferral3, and legacy and estate planning options.”
Jackson’s Elite Access Suite with Principal Guard offers the ability to pursue growth while protecting the initial investment amount through a selected term. Investment Freedom®4 provides customers the opportunity to invest a portion of their money into a variety of well-known investments and with investment managers to help meet their unique investing goals. Customers who add Principal Guard can now receive benefits beyond tax deferral, including guaranteed accumulation. With Principal Guard, if a customer selects a 7-year guarantee5 term option, the customer’s contract value at the end of the term will be at least
The Elite Access Suite of variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks, and may lose value. Earnings are taxable as ordinary income when distributed and individuals may be subject to a
Financial professionals who would like to learn more about Jackson’s products can contact the company at 1-800-711-7397, connect with their local wholesaler or visit www.jackson.com.
ABOUT JACKSON
Jackson® (NYSE: JXN) is committed to helping clarify the complexity of retirement planning—for financial professionals and their clients. Through our range of annuity products, financial know-how, history of award-winning service* and streamlined experiences, we strive to reduce the confusion that complicates retirement planning. We take a balanced, long-term approach to responsibly serving all our stakeholders, including customers, shareholders, distribution partners, employees, regulators and community partners. We believe by providing clarity for all today, we can help drive better outcomes for tomorrow. For more information, visit www.jackson.com.
*SQM (Service Quality Measurement Group) Call Center Awards Program for 2004 and 2006-2023. (Criteria used for Call Center World Class FCR Certification is
Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses provide this and other important information. Please contact your financial professional or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.
Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used and cannot be used for the purpose of avoiding
At election of the GMAB, a certain percentage of the contract value is allocated to the GMAB fixed account option pursuant to the GMAB allocation requirements. The remaining contract value is allocated based on the allocations specified by the owner. The owner may not elect transfers to or from the GMAB fixed account option.
Annuities are issued by Jackson National Life Insurance Company (
Jackson® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company®.
Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Jackson National Life Insurance Company.
Firm and state variations may apply. Additionally, product may not be available in all states.
1Jackson Financial Inc. is a
2At the end of the guarantee term, the benefit will terminate unless a new term has been selected, if available.
3Tax deferral offers no additional value if an IRA or a qualified plan, such as a 401(k), is used to fund an annuity and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a legal entity such as a corporation or certain types of trusts.
4Select up to a maximum of 99 investments and adjust options or allocations up to 25 times each contract year without transfer fees. To prevent abusive trading practices, Jackson restricts the frequency of transfers among variable investment options, including trading out of and back into the same subaccount within a 15-day period.
5Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company and do not apply to the principal amount or investment performance of a variable annuity’s separate account or its underlying investments.
6Principal Guard guarantees that at the end of the guarantee term, the contract value will be at least as much as the guaranteed amount, which is reduced for withdrawals. If at the end of the guarantee term, the contract value is less than the guaranteed amount, Jackson will increase the contract value to the guaranteed amount. Depending on your elected term, if the guarantee percentage is less than
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Patrick Rich
patrick.rich@jackson.com
Source: Jackson Financial Inc.
FAQ
What is Principal Guard in Jackson's Elite Access Variable Annuity Suite?
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