Jackson National Life Insurance Company
4.9
based on complex data
Annuity Educator Rating
Annuity review

Market Link Pro

The Market Link Pro annuity is a wonderful option for securing your future. With bonuses upon sign-up and 100% return protection, it offers a worry-free way to effortlessly grow your retirement savings.

Moreover, it stands out with its flexible investment options designed to match your financial goals and risk tolerance. Retirement planning has never been smoother! A forward-thinking product, indeed.

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Market Link Pro

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About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, Inherited IRA, NQ Stretch, and TSP
Launch Date
10/11/2021
Jackson Market Link Pro is a Registered Index-Linked Annuity (“RILA”) contract. The Contract is an SEC registered, tax deferred annuity that permits you to link your investment to an Index (or multiple Indexes) over a defined period of time (“term”). If the Index Return is positive, the Contract credits any gains in that index to your Index Account Option Value, subject to the Crediting Method you choose: a stated Cap Rate or Performance Trigger Rate. If the Index Return is negative, the Contract credits losses, which may be either absorbed or offset, subject to the Protection Option you choose: a stated Buffer or Floor.

Income Options 
You can choose to begin taking income from your Contract at any time, but all of the Contract Value must be annuitized. Withdrawal Charges (if you begin taking income in the first Contract Year) will apply, and we will use your Interim Value (if you begin taking income on any day other than the Index Account Option Term Anniversary) to calculate your income payments. 
You may choose from the following annuitization options:
  • Life Income
  • Joint Life and Survivor Income
  • Life Income with Guaranteed Payments for 10 Years or 20 Years
  • Life Income for a Specified Period.
Once an income option has been selected, and payments begin, the income option may not be changed. No withdrawals will be permitted once the contract is in the income phase. 
Available in states: MO

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3% Fixed
6-Year MSCI Emerging Markets PTP Cap with -10% Floor
Point to Point
6-Year
400% Cap
1-Year MSCI EAFE PTP Cap with -20% Floor
Point to Point
Annual
100% Cap
6-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
6-Year
400% Cap
6-Year MSCI EAFE PTP Cap with 20% Buffer
Point to Point
6-Year
400% Cap
6-Year MSCI EAFE PTP Cap with -10% Floor
Point to Point
6-Year
400% Cap
6-Year MSCI EAFE PTP Cap with -20% Floor
Point to Point
6-Year
400% Cap
1-Year MSCI Emerging Markets PTP Cap with 10% Buffer
Point to Point
Annual
19.25% Cap
1-Year MSCI Emerging Markets PTP Cap with 20% Buffer
Point to Point
Annual
11.75% Cap
1-Year MSCI Emerging Markets PTP Cap with -10% Floor
Point to Point
Annual
18% Cap
1-Year MSCI Emerging Markets PTP Cap with -20% Floor
Point to Point
Annual
100% Cap
6-Year MSCI Emerging Markets PTP Cap with 10% Buffer
Point to Point
6-Year
400% Cap
6-Year MSCI Emerging Markets PTP Cap with 20% Buffer
Point to Point
6-Year
400% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
8.75% Cap
6-Year MSCI Emerging Markets PTP Cap with -20% Floor
Point to Point
6-Year
400% Cap
1-Year MSCI KLD 400 Social PTP Cap with 10% Buffer
Point to Point
Annual
10.75% Cap
1-Year MSCI KLD 400 Social PTP Cap with 20% Buffer
Point to Point
Annual
7.95% Cap
1-Year MSCI KLD 400 Social PTP Cap with -10% Floor
Point to Point
Annual
9.5% Cap
1-Year MSCI KLD 400 Social PTP Cap with -20% Floor
Point to Point
Annual
12.75% Cap
6-Year MSCI KLD 400 Social PTP Cap with 10% Buffer
Point to Point
6-Year
92% Cap
6-Year MSCI KLD 400 Social PTP Cap with 20% Buffer
Point to Point
6-Year
66% Cap
6-Year MSCI KLD 400 Social PTP Cap with -10% Floor
Point to Point
6-Year
50% Cap
6-Year MSCI KLD 400 Social PTP Cap with -20% Floor
Point to Point
6-Year
60% Cap
1-Year Russell 2000 PTP Cap with -10% Floor
Point to Point
Annual
17% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
12% Cap
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
10.5% Cap
1-Year S&P 500 PTP Cap with -20% Floor
Point to Point
Annual
14.75% Cap
6-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
6-Year
400% Cap
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
125% Cap
6-Year S&P 500 PTP Cap with -10% Floor
Point to Point
6-Year
55% Cap
6-Year S&P 500 PTP Cap with -20% Floor
Point to Point
6-Year
70% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Annual
19.5% Cap
1-Year Russell 2000 PTP Cap with 20% Buffer
Point to Point
Annual
12.5% Cap
1-Year MSCI EAFE PTP Cap with -10% Floor
Point to Point
Annual
100% Cap
6-Year Russell 2000 PTP Cap with -20% Floor
Point to Point
6-Year
105% Cap
1-Year MSCI EAFE PTP Cap with 20% Buffer
Point to Point
Annual
11.5% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
Annual
19% Cap
1-Year Russell 2000 PTP Cap with -20% Floor
Point to Point
Annual
28.5% Cap
6-Year Russell 2000 PTP Cap with -10% Floor
Point to Point
6-Year
74% Cap
6-Year Russell 2000 PTP Cap with 20% Buffer
Point to Point
6-Year
145% Cap
6-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
6-Year
400% Cap
1-Year Russell 2000 Performance Triggered with -10% Floor
Performance Triggered
Annual
12.1% Performance triggered
1-Year Russell 2000 Performance Triggered with 10% Buffer
Performance Triggered
Annual
13.1% Performance triggered
1-Year MSCI Emerging Markets Performance Triggered with -10% Floor
Performance Triggered
Annual
10.9% Performance triggered
1-Year S&P 500 Performance Triggered with -10% Floor
Performance Triggered
Annual
8.4% Performance triggered
1-Year MSCI KLD 400 Social Performance Triggered with 10% Buffer
Performance Triggered
Annual
8.55% Performance triggered
1-Year MSCI KLD 400 Social Performance Triggered with -10% Floor
Performance Triggered
Annual
7.8% Performance triggered
1-Year S&P 500 Performance Triggered with 10% Buffer
Performance Triggered
Annual
9.15% Performance triggered
1-Year MSCI EAFE Performance Triggered with -10% Floor
Performance Triggered
Annual
11.7% Performance triggered
1-Year MSCI EAFE Performance Triggered with 10% Buffer
Performance Triggered
Annual
10.7% Performance triggered
1-Year MSCI Emerging Markets Performance Triggered with 10% Buffer
Performance Triggered
Annual
11.2% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6
Penalty 8% 8% 7% 6% 5% 4%

Hypothetical Projection

Comparison against S&P 500 using current rates
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Riders

No Riders for Market Link Pro annuity.

Waivers

Death

We do not assess the Withdrawal Charge on any amounts paid out as: death benefits

Terminal Illness

You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If you or your joint owner is diagnosed with a terminal illness that is expected to result in death within 12 months, you may access up to 100% of the contract value free of withdrawal charges. Limited to $250,000. All contract values will be reduced proportionately. A payment under the Terminal Illness Waiver is payable only once, regardless of any subsequent diagnosis. After the expiration of the withdrawal charge period, an Interim Value Proration Factor will apply. Taxes may apply.

Annuitization

We do not assess the Withdrawal Charge on any amounts paid out as: 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)

Extended Care

Unavailable in states: CA, MA, and VA

You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If the you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity beginning after the contract issue date, you may access up to 100% of the contract value free of withdrawal charges. Limited to $250,000. All contract values will be reduced proportionately. A payment under the Extended Care Waiver is payable only once, regardless of any subsequent confinement. After the expiration of the withdrawal charge period, an Interim Value Proration Factor will apply. Taxes may apply. Home Health Care acceptable, it would require 24 hour in home care.

Premium Notes

Allocations of Premium
You may allocate Premium to any available Indexed Account Option or Fixed Account. Each allocation must be a whole percentage between 0% and 100%. The minimum amount you may allocate to an Indexed Account Option or Fixed Account is $100.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Access to Your MoneyEvery contract year, you may withdraw up to the greater of earnings or 10% of contract value still subject to withdrawal charges, free of withdrawal charges. Available immediately. The Interim Value calculation may still apply. 

Company Founded: 1961
Excellent Rated Company
Jackson National Life Insurance Company
Company Ratings
4.8
  • A.M. Best A
  • Fitch A
  • S&P A
  • Moody's A3
  • Comdex 74
Assets: $61,127,932,391
Michigan

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