Item 4. Fee Table [Text Block]

FEES, EXPENSES, AND ADJUSTMENTS TABLES

The following tables describe the fees, expenses, and adjustments that you will pay when purchasing, owning and making partial or total withdrawals from an Investment Option or 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 24, and “INCOME PAYMENTS (THE INCOME PHASE)” beginning on page 62.

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 an Investment Option or from the Contract, or transfer Contract Value between Investment Options. State premium taxes may also be deducted.

Transaction Expenses


Withdrawal Charge (as a percentage of Remaining Premium)
Completed Years Since Receipt of Premium	0-1	1-2	2-3	3-4	4-5	5-6	6-7	7+
Base Schedule	8.5%	7.5%	6.5%	5.5%	5.0%	4.0%	2.0%	0.0%


Transfer Charge (per transfer after 25 in a Contract Year)		$25
Premium Taxes (Percentage of each Premium)1	Minimum	0.0%
	Maximum	3.5%
Expedited Delivery Charge2	Highest Current Charge	$38
Wire Transfers (for withdrawals)3	Highest Current Charge	$25

1. Premium taxes generally range from 0.0% to 3.5% and vary by state.

2. We pass the current charges for requested expedited delivery services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. Between Monday and Friday, the current Expedited Delivery Charge is $23. On Saturday, the current Expedited Delivery Charge is $38.

3. We pass the current charges for requested wire transfer services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. Currently, standard wire fees are $20, and international wire fees are $25.

Adjustments

The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Contract Value is removed from an Index Account Option or from the Contract before the expiration of a specified period.

Adjustments

Maximum Adjustment

Market Value Adjustment Maximum Potential Loss1 (as a percentage of investment)

12.5%

1.A Market Value Adjustment may apply to amounts withdrawn, transferred or annuitized from the Fixed Account prior to the end of the selected Fixed Account Option period. For more information, please see "Market Value Adjustment" beginning on page 29.

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


Administrative Charges			Maximum Charge
Annual Contract Maintenance Charge1			$35
Base Contract Charges (% of average daily account value of Investment Divisions)			Maximum Charge
Core Contract Charge2, 3			1.05%

1. 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.

2. This charge is reduced to 0.95% 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.

3. If the Contract Value Death Benefit option is elected, the Core Contract Charge is 0.95%. The 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.


Optional Benefit Charges			Maximum Charge
Roll-up Guaranteed Minimum Death Benefit (“GMDB”)1,2			1.80%
Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit1,2			0.60%
Combination Roll-up and Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit (“GMDB”)1			2.00%
Flex DB1,2,7 (only available with specified benefit options on the Flex GMWB8),3			1.60%
For Life GMWB With Bonus and Step-Up to the Highest Quarterly Contract Value (“Flex GMWB”) 1,4,5, 8			3.00%
Joint For Life GMWB With Bonus and Step-Up to the Highest Quarterly Contract Value (“Flex With Joint Option GMWB”)1,4,6, 9			3.00%

1. This add-on benefit charge is expressed as a percentage of benefit base.

2. The charge is calculated based on the applicable percentage of the GMWB Death Benefit.

3. The maximum annual charges used in the table are based on election of the Flex Core benefit option.

4. The charges for all the add-on guaranteed minimum withdrawal benefits are calculated based on the applicable percentage of the GWB.

5. The maximum annual charges used in the table are based on election of the most expensive benefit option under the Flex GMWB. The Flex GMWB includes different benefit options you may elect, and each benefit option results in different charges.

6. The maximum annual charges used in the table are based on election of the most expensive benefit option under Flex with Joint Option GMWB. The Flex with Joint Option GMWB includes different benefit options you may elect, and each benefit option results in different charges.

7. Prior to August 28, 2023, Flex DB was called LifeGuard Freedom Flex DB.

8. Prior to August 28, 2023, Flex GMWB was called LifeGuard Freedom Flex GMWB.

9. Prior to August 28, 2023, Flex With Joint Option GMWB was called LifeGuard Freedom Flex With Joint Option GMWB.

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 Investment Options available under the Contract, including their annual expenses, may be found in Appendix A.

Annual Fund Expenses


	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, 2025.	0.52%	2.38%

EXAMPLE

The table below is intended to help you compare the cost of investing in the Investment Divisions with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual Contract expenses and annual Fund expenses.

The Example assumes all Contract Value is allocated to the Investment Divisions. The Example does not reflect any Contract Adjustment. Your costs could differ from those shown below if you invest in Fixed Account Options.

The Example assumes that you invest $100,000 in the Investment Divisions 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:


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 do not 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
$16,795	$30,538	$43,717	$71,218	$16,795	$24,038	$38,717	$71,218	$8,295	$24,038	$38,717	$71,218

*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.

Transaction Expenses [Table Text Block]

Transaction Expenses


Withdrawal Charge (as a percentage of Remaining Premium)
Completed Years Since Receipt of Premium	0-1	1-2	2-3	3-4	4-5	5-6	6-7	7+
Base Schedule	8.5%	7.5%	6.5%	5.5%	5.0%	4.0%	2.0%	0.0%


Transfer Charge (per transfer after 25 in a Contract Year)		$25
Premium Taxes (Percentage of each Premium)1	Minimum	0.0%
	Maximum	3.5%
Expedited Delivery Charge2	Highest Current Charge	$38
Wire Transfers (for withdrawals)3	Highest Current Charge	$25

1. Premium taxes generally range from 0.0% to 3.5% and vary by state.

Transfer Fee, Current [Dollars]

$ 25

Contract Adjustments, Fee Table [Table Text Block]

Adjustments

Maximum Adjustment

Market Value Adjustment Maximum Potential Loss1 (as a percentage of investment)

12.5%

Contract Adjustment, Maximum Potential Loss Over Value at Start of Crediting Period [Percent]

12.50%

Annual Contract Expenses [Table Text Block]


Administrative Charges			Maximum Charge
Annual Contract Maintenance Charge1			$35
Base Contract Charges (% of average daily account value of Investment Divisions)			Maximum Charge
Core Contract Charge2, 3			1.05%

2. This charge is reduced to 0.95% 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.


Optional Benefit Charges			Maximum Charge
Roll-up Guaranteed Minimum Death Benefit (“GMDB”)1,2			1.80%
Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit1,2			0.60%
Combination Roll-up and Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit (“GMDB”)1			2.00%
Flex DB1,2,7 (only available with specified benefit options on the Flex GMWB8),3			1.60%
For Life GMWB With Bonus and Step-Up to the Highest Quarterly Contract Value (“Flex GMWB”) 1,4,5, 8			3.00%
Joint For Life GMWB With Bonus and Step-Up to the Highest Quarterly Contract Value (“Flex With Joint Option GMWB”)1,4,6, 9			3.00%

1. This add-on benefit charge is expressed as a percentage of benefit base.

2. The charge is calculated based on the applicable percentage of the GMWB Death Benefit.

3. The maximum annual charges used in the table are based on election of the Flex Core benefit option.

4. The charges for all the add-on guaranteed minimum withdrawal benefits are calculated based on the applicable percentage of the GWB.

7. Prior to August 28, 2023, Flex DB was called LifeGuard Freedom Flex DB.

8. Prior to August 28, 2023, Flex GMWB was called LifeGuard Freedom Flex GMWB.

9. Prior to August 28, 2023, Flex With Joint Option GMWB was called LifeGuard Freedom Flex With Joint Option GMWB.

Administrative Expense, Maximum [Dollars]

$ 35

Administrative Expense, Footnotes [Text Block]

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.

Base Contract Expense (of Average Account Value), Maximum [Percent]

1.05%

Base Contract Expense, Footnotes [Text Block]

This charge is reduced to 0.95% 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.If the Contract Value Death Benefit option is elected, the Core Contract Charge is 0.95%. The 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.

Annual Portfolio Company Expenses [Table Text Block]

This add-on benefit charge is expressed as a percentage of benefit base.The charge is calculated based on the applicable percentage of the GMWB Death Benefit.The charges for all the add-on guaranteed minimum withdrawal benefits are calculated based on the applicable percentage of the GWB.


	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, 2025.	0.52%	2.38%

Portfolio Company Expenses [Text Block]

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, 2025.

Portfolio Company Expenses Minimum [Percent]

0.52%

Portfolio Company Expenses Maximum [Percent]

2.38%

Surrender Example [Table Text Block]


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 do not 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
$16,795	$30,538	$43,717	$71,218	$16,795	$24,038	$38,717	$71,218	$8,295	$24,038	$38,717	$71,218

Surrender Expense, 1 Year, Maximum [Dollars]

$ 16,795

Surrender Expense, 3 Years, Maximum [Dollars]

30,538

Surrender Expense, 5 Years, Maximum [Dollars]

43,717

Surrender Expense, 10 Years, Maximum [Dollars]

$ 71,218

Annuitize Example [Table Text Block]


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 do not 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
$16,795	$30,538	$43,717	$71,218	$16,795	$24,038	$38,717	$71,218	$8,295	$24,038	$38,717	$71,218

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 16,795

Annuitized Expense, 3 Years, Maximum [Dollars]

24,038

Annuitized Expense, 5 Years, Maximum [Dollars]

38,717

Annuitized Expense, 10 Years, Maximum [Dollars]

$ 71,218

No Surrender Example [Table Text Block]


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 do not 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
$16,795	$30,538	$43,717	$71,218	$16,795	$24,038	$38,717	$71,218	$8,295	$24,038	$38,717	$71,218

No Surrender Expense, 1 Year, Maximum [Dollars]

$ 8,295

No Surrender Expense, 3 Years, Maximum [Dollars]

24,038

No Surrender Expense, 5 Years, Maximum [Dollars]

38,717

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 71,218

Item 5. Principal Risks [Table Text Block]

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.

Liquidity and Early Withdrawal Risk. This Contract is designed as a long-term investment for retirement or other long-term financial goals. If you withdraw money from your Contract within the first 7 Complete Years after making a Premium payment, you

will be assessed withdrawal charges that will reduce the value of your investment. In addition, if you withdraw amounts from the Fixed Account before the end of your selected Fixed Account Option term, we will apply a Market Value Adjustment, which, if negative, could result in a loss of up to 12.5% of the amount withdrawn. 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.

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 or any GMWB. 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), negative contract adjustments, 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.

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 one of the add-on benefits, withdrawals will reduce the value of the benefits 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. If you do not elect an add-on benefit at issue, it is likely that the rates associated with your add-on benefit, including the Bonus percentages, Guaranteed Withdrawal Balance Adjustment percentages, and Guaranteed Annual Withdrawal Amount percentages may be lower than the rates you would have received if you had elected the 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. 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 Rate Sheet Prospectus Supplement(s) at www.jackson.com/product-literature-2.html.

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.

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.

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 heath 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.

Benefits Available (N-4) [Text Block]

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 www.jackson.com/product-literature-2.html. For a list of historical add-on benefit charges, please see “Appendix F (Historical Add-On Benefit Charges).”

Basic Death Benefit (automatically included with the Contract)


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Basic Death Benefit	Guarantees your beneficiaries will receive a benefit at least equal to the greater of your Contract Value or your total Premiums paid.	No additional charge	•Withdrawals could significantly reduce the benefit. •Benefit terminates on annuitization.

Add-On Death Benefits Available For a Fee


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Contract Value Death Benefit	An alternative to the Contract’s basic death benefit; changes your default death benefit to equal your Contract Value. Election of the Contract Value Death Benefit reduces your Core Contract Charge. The reduction in Core Contract Charge is relative to the standard charges associated with administering the Contract’s basic death benefit.	No additional charge.	•If you elect the Contract Value Death Benefit, no other add-on death benefits are available for election. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected.


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Roll-up GMDB	Provides a death benefit that increases at an annual interest rate until the Contract Anniversary immediately preceding the oldest Covered Life’s 81st birthday.	Maximum 1.80% (as a percentage of benefit base)	•Available to Owners age 79 or younger. •Interest rate depends on age and date of election. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected. •The Fixed Account Options are not available if you elect the Roll-up GMDB add-on death benefit.
Highest Quarterly Anniversary Value GMDB	Provides a new locked-in higher death benefit on each Contract quarterly anniversary (prior to the oldest Covered Life’s 81st birthday) if your investments increase in value	Maximum 0.60% (as a percentage of benefit base)	•Available to Owners age 79 or younger. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected.
Combination Roll-up and Highest Quarterly Anniversary Value GMDB	Provides a minimum death benefit equal to the greater of (ii) the Roll-up GMDB and (ii) the Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit.	Maximum 2.00% (as a percentage of benefit base)	•Available to Owners age 79 or younger. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected. •The Fixed Account Options are not available if you elect the Combination Roll-up and Highest Quarterly Anniversary Value GMDB add-on death benefit.


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Flex DB (previously called LifeGuard Freedom Flex DB)	This death benefit works in connection with the Flex GMWB and provides a minimum death benefit equal to the Flex GMWB Guaranteed Withdrawal Balance (GWB), that is not reduced for your allowed annual withdrawals. For Contracts issued on or after July 21, 2025, this death benefit also provides a 7th Contract Anniversary step-up to potentially increase the death benefit.	Maximum 1.60% (as a percentage of the GMWB Death Benefit)	•Available to Owners age 35 to 75. •Available only at issue and only with the certain benefit options under the Flex GMWB (previously called the LifeGuard Freedom Flex GMWB). •Withdrawal percentages depend on age and date of election. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected. •The Fixed Account Options are not available if you elect the Flex DB add-on death benefit.

Add-On Living Benefits Available For a Fee

Availability of all add-on living benefits are subject to age limitations and other eligibility conditions. Only one add-on living benefit may be elected. The current annual charges for the add-on benefits are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit www.jackson.com/product-literature-2.html. For a list of historical add-on benefit charges, please see “Appendix F (Historical Add-On Benefit Charges).” All add-on living benefits:

•may be added on the Issue Date or a Contract Anniversary (with advance notice, subject to availability);

•are subject to fee increases on each 5th Contract Anniversary (opting out will affect the benefit and the Contract);

•are subject to a maximum guaranteed withdrawal balance (“GWB”) of $10 million;

•terminate on the Income Date; and

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


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Flex GMWB (Single) and (Joint) (previously called LifeGuard Freedom Flex GMWB)	Offers a unique level of flexibility because you can choose from a range of benefit options to increase your Guaranteed Withdrawal Balance (“GWB”). In down or flat market years, you can receive a bonus in years you don’t take withdrawals, when your Contract does well, you can lock in investment gains with step-ups, and as your protected GWB steps up, your bonus amount can also grow.	Single Life Option: Maximum: 3.00% (as a percentage of the GWB) Joint Life Option: Maximum: 3.00% (as a percentage of the GWB) (The maximum annual charges are based on election of the most expensive combination of options.)	•Available to Owners age 35 to 80. •GAWA% depends on age and income stream level included with selected benefit option at time of first withdrawal. •Bonus applies for limited period and requires no withdrawals. •Amount of guaranteed withdrawals depends on the benefit option and specified combination of optional features under the benefit. •Jackson may prospectively change the GAWA%, including the age bands, on new GMWB endorsements (via rate sheet). •Withdrawals prior to start of For Life Guarantee and excess withdrawals could significantly reduce or terminate the benefit.

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


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Terminal Illness Benefit/ Extended Care Benefit	Increases the amount that can be withdrawn from your Contract without a withdrawal charge if you experience certain qualifying events such as: (i) diagnosis with an illness that will result in your death within 12 months; or (ii) confinement to a nursing home or hospital for 90 consecutive days.	None	•Maximum free withdrawal amount is $250,000 of your Contract Value. •Can only be exercised once. •Any Market Value Adjustment still applies. •Physician’s statement required. •Qualifying event must occur after the Contract was issued.
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	•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.
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.	None	•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.
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.	None	•Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option. •The DCA+ Fixed Account Option is only available for new Premiums. •A Contract Value of $15,000 is required to participate.
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).	None	•May only be added within 30 days of the issue date of your Contract. •You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions.
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).	None	•Effective August 28, 2023, this benefit is no longer available for election. •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. •Only available at issue.

Benefits Available [Table Text Block]

Basic Death Benefit (automatically included with the Contract)


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Basic Death Benefit	Guarantees your beneficiaries will receive a benefit at least equal to the greater of your Contract Value or your total Premiums paid.	No additional charge	•Withdrawals could significantly reduce the benefit. •Benefit terminates on annuitization.

Add-On Death Benefits Available For a Fee


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Contract Value Death Benefit	An alternative to the Contract’s basic death benefit; changes your default death benefit to equal your Contract Value. Election of the Contract Value Death Benefit reduces your Core Contract Charge. The reduction in Core Contract Charge is relative to the standard charges associated with administering the Contract’s basic death benefit.	No additional charge.	•If you elect the Contract Value Death Benefit, no other add-on death benefits are available for election. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected.


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Roll-up GMDB	Provides a death benefit that increases at an annual interest rate until the Contract Anniversary immediately preceding the oldest Covered Life’s 81st birthday.	Maximum 1.80% (as a percentage of benefit base)	•Available to Owners age 79 or younger. •Interest rate depends on age and date of election. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected. •The Fixed Account Options are not available if you elect the Roll-up GMDB add-on death benefit.
Highest Quarterly Anniversary Value GMDB	Provides a new locked-in higher death benefit on each Contract quarterly anniversary (prior to the oldest Covered Life’s 81st birthday) if your investments increase in value	Maximum 0.60% (as a percentage of benefit base)	•Available to Owners age 79 or younger. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected.
Combination Roll-up and Highest Quarterly Anniversary Value GMDB	Provides a minimum death benefit equal to the greater of (ii) the Roll-up GMDB and (ii) the Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit.	Maximum 2.00% (as a percentage of benefit base)	•Available to Owners age 79 or younger. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected. •The Fixed Account Options are not available if you elect the Combination Roll-up and Highest Quarterly Anniversary Value GMDB add-on death benefit.


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Flex DB (previously called LifeGuard Freedom Flex DB)	This death benefit works in connection with the Flex GMWB and provides a minimum death benefit equal to the Flex GMWB Guaranteed Withdrawal Balance (GWB), that is not reduced for your allowed annual withdrawals. For Contracts issued on or after July 21, 2025, this death benefit also provides a 7th Contract Anniversary step-up to potentially increase the death benefit.	Maximum 1.60% (as a percentage of the GMWB Death Benefit)	•Available to Owners age 35 to 75. •Available only at issue and only with the certain benefit options under the Flex GMWB (previously called the LifeGuard Freedom Flex GMWB). •Withdrawal percentages depend on age and date of election. •Withdrawals could significantly reduce or terminate the benefit. •Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •May provide value after the Income Date. •Availability of all add-on death benefits are subject to age limitations. •Only one add-on death benefit may be elected. •The Fixed Account Options are not available if you elect the Flex DB add-on death benefit.

Add-On Living Benefits Available For a Fee

•may be added on the Issue Date or a Contract Anniversary (with advance notice, subject to availability);

•are subject to fee increases on each 5th Contract Anniversary (opting out will affect the benefit and the Contract);

•are subject to a maximum guaranteed withdrawal balance (“GWB”) of $10 million;

•terminate on the Income Date; and

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


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Flex GMWB (Single) and (Joint) (previously called LifeGuard Freedom Flex GMWB)	Offers a unique level of flexibility because you can choose from a range of benefit options to increase your Guaranteed Withdrawal Balance (“GWB”). In down or flat market years, you can receive a bonus in years you don’t take withdrawals, when your Contract does well, you can lock in investment gains with step-ups, and as your protected GWB steps up, your bonus amount can also grow.	Single Life Option: Maximum: 3.00% (as a percentage of the GWB) Joint Life Option: Maximum: 3.00% (as a percentage of the GWB) (The maximum annual charges are based on election of the most expensive combination of options.)	•Available to Owners age 35 to 80. •GAWA% depends on age and income stream level included with selected benefit option at time of first withdrawal. •Bonus applies for limited period and requires no withdrawals. •Amount of guaranteed withdrawals depends on the benefit option and specified combination of optional features under the benefit. •Jackson may prospectively change the GAWA%, including the age bands, on new GMWB endorsements (via rate sheet). •Withdrawals prior to start of For Life Guarantee and excess withdrawals could significantly reduce or terminate the benefit.

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


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Terminal Illness Benefit/ Extended Care Benefit	Increases the amount that can be withdrawn from your Contract without a withdrawal charge if you experience certain qualifying events such as: (i) diagnosis with an illness that will result in your death within 12 months; or (ii) confinement to a nursing home or hospital for 90 consecutive days.	None	•Maximum free withdrawal amount is $250,000 of your Contract Value. •Can only be exercised once. •Any Market Value Adjustment still applies. •Physician’s statement required. •Qualifying event must occur after the Contract was issued.
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	•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.
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.	None	•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.
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.	None	•Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option. •The DCA+ Fixed Account Option is only available for new Premiums. •A Contract Value of $15,000 is required to participate.
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).	None	•May only be added within 30 days of the issue date of your Contract. •You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions.
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).	None	•Effective August 28, 2023, this benefit is no longer available for election. •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. •Only available at issue.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

APPENDIX A

INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

The following is a list of Funds (all Class A shares) available under the Contract, which is subject to change, as discussed in the prospectus. Certain broker-dealers selling the Contracts may limit the Investment Divisions that are available to their customers. You can find the prospectuses and other information about the Funds online at www.jackson.com/fund-literature.html. 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.

Fund Type

Fund and Manager*

(and Sub-Adviser, if applicable)

*The investment manager for each Fund is Jackson National Asset Management, LLC

Current Expenses

Average Annual Total Returns (as of 12/31/25)

1 year

5 year

10 year

Allocation

JNL/American Funds Balanced Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.90%²

15.48%

8.58%

9.14%

Fixed Income

JNL/American Funds Bond Fund of America Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.82%²

6.77%

N/A

Allocation

JNL/American Funds Capital Income Builder Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.95%²

19.86%

8.63%

N/A

International/Global Equity

JNL/American Funds Global Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.05%²

21.20%

7.84%

11.82%

U.S. Equity

JNL/American Funds Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.89%²

19.87%

13.03%

17.58%

U.S. Equity

JNL/American Funds Growth-Income Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%²

17.64%

13.48%

International/Global Equity

JNL/American Funds International Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.11%²

26.25%

3.00%

6.58%

International/Global Equity

JNL/American Funds New World Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.26%²

27.74%

4.86%

8.80%

U.S. Equity

JNL/American Funds® Washington Mutual Investors Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%²

16.75%

13.43%

11.95%

Alternative

JNL Multi-Manager Alternative Fund

(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)

2.30%²

9.53%

4.22%

4.14%

International/Global Equity

JNL Multi-Manager Emerging Markets Equity Fund

(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)

1.22%

24.27%

1.67%

5.73%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
Fixed Income	JNL Multi-Manager Floating Rate Income Fund
	(PPM America, Inc.; FIAM LLC)	0.95%	3.83%	4.67%	4.29%
Allocation	JNL Multi-Manager Global Small Cap Fund
		1.16%	14.20%	0.15%	6.89%
International/ Global Equity	JNL Multi-Manager International Equity Fund
	(Causeway Capital Management LLC; Lazard Asset Management LLC; WCM Investment Management, LLC; William Blair Investment Management, LLC)	0.97%	23.50%	1.90%	5.17%
International/Global Equity	JNL Multi-Manager International Small Cap Fund4
	(Baillie Gifford Overseas Limited; Causeway Capital Management LLC; and WCM Investment Management, LLC)	1.20%	25.49%	5.35%	N/A
U.S. Equity	JNL Multi-Manager Mid Cap Fund
	(Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; Nuance Investments, LLC; and Victory Capital Management Inc.)	1.06%	1.83%	4.90%	N/A
U.S. Equity	JNL Multi-Manager Select Equity Fund
	(GQG Partners, LLC; River Road Asset Management, LLC; WCM Investment Management, LLC)	0.99%²	16.02%	N/A	N/A
U.S. Equity	JNL Multi-Manager Small Cap Growth Fund
	(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)	0.98%	3.56%	-1.29%	9.41%
U.S. Equity	JNL Multi-Manager Small Cap Value Fund
	(Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; and WCM Investment Management, LLC)	1.07%	2.69%	8.00%	8.59%
Allocation	JNL Moderate ETF Allocation Fund
	(Mellon Investments Corporation)	0.83%	12.18%	4.18%	5.44%
Allocation	JNL Moderate Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.83%	14.60%	5.90%	7.22%
Allocation	JNL Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.85%	16.64%	7.58%	8.76%
Allocation	JNL/American Funds Moderate Allocation Fund
		0.97%	13.14%	N/A	N/A
Allocation	JNL/American Funds Moderate Growth Allocation Fund
		0.98%	16.29%	5.73%	8.10%
Allocation	JNL/American Funds Growth Allocation Fund
		0.99%	18.49%	7.52%	10.07%
Allocation	JNL/BlackRock Global Allocation Fund
	(BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited)	1.06%	18.76%	6.07%	7.47%
Alternative	JNL/BlackRock Global Natural Resources Fund4
	(BlackRock International Limited)	1.00%	29.78%	13.60%	8.69%
U.S. Equity	JNL/BlackRock Large Cap Select Growth Fund
	(BlackRock Investment Management, LLC)	0.83%²	11.41%	10.41%	15.18%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
International/Global Equity	JNL/Causeway International Value Select Fund
	(Causeway Capital Management LLC)	0.96%	43.10%	14.12%	9.96%
Sector Equity	JNL/Cohen & Steers U.S. Realty Fund4
	(Cohen & Steers Capital Management, Inc.)	1.04%	2.79%	4.73%	N/A
International/Global Equity	JNL/DFA International Core Equity Fund
	(Dimensional Fund Advisors LP)	0.91%	35.29%	9.74%	N/A
U.S. Equity	JNL/DFA U.S. Core Equity Fund
	(Dimensional Fund Advisors LP)	0.80%	15.09%	12.66%	13.16%
U.S. Equity	JNL/DFA U.S. Small Cap Fund
	(Dimensional Fund Advisors LP)	0.99%	7.01%	8.45%	9.52%
Fixed Income	JNL/DoubleLine® Core Fixed Income Fund
	(DoubleLine Capital LP)	0.78%	7.18%	0.07%	2.05%
Fixed Income	JNL/DoubleLine® Emerging Markets Fixed Income Fund
	(DoubleLine Capital LP)	1.08%	8.52%	1.66%	N/A
U.S. Equity	JNL/DoubleLine® Shiller Enhanced CAPE® Fund
	(DoubleLine Capital LP)	0.99%	8.98%	8.23%	12.17%
Fixed Income	JNL/DoubleLine® Total Return Fund
	(DoubleLine Capital LP)	0.83%	7.59%	0.09%	1.65%
Fixed Income	JNL/Dreyfus Government Money Market Fund
	(Mellon Investments Corporation)	0.56%	3.78%	2.75%	1.67%
U.S. Equity	JNL/Fidelity Institutional AM® & JPMorgan Large Cap Growth Fund
	(FIAM LLC; J.P. Morgan Investment Management Inc.)	0.94%	9.05%	10.46%	N/A
Fixed Income	JNL/Fidelity Institutional AM® Total Bond Fund
	(FIAM LLC)	0.76%	7.49%	0.06%	2.09%
Alternative	JNL/First Sentier Global Infrastructure Fund4
	(First Sentier Investors (Australia) IM Ltd)	1.16%	17.55%	6.72%	6.96%
Allocation	JNL/Franklin Templeton Income Fund
	(Franklin Advisers, Inc.)	0.92%	12.00%	7.17%	7.11%
U.S. Equity	JNL/Goldman Sachs 4 Fund
	(Goldman Sachs Asset Management, L.P)	0.70%	16.69%	13.95%	11.59%
International/ Global Equity	JNL/GQG Emerging Markets Equity Fund
	(GQG Partners LLC)	1.34%	10.25%	2.64%	N/A
U.S. Equity	JNL/Invesco Small Cap Growth Fund
	(Invesco Advisers, Inc.)	1.02%	6.17%	-0.73%	9.05%
Alternative	JNL/JPMorgan Hedged Equity Fund
	(J.P. Morgan Investment Management Inc.)	0.96%	7.04%	8.58%	N/A
U.S. Equity	JNL/JPMorgan MidCap Growth Fund
	(J.P. Morgan Investment Management Inc.)	0.89%	8.08%	4.23%	12.15%
Alternative	JNL/JPMorgan Nasdaq® Hedged Equity Fund
	(J.P. Morgan Investment Management Inc.)	0.99%	8.83%	N/A	N/A
Fixed Income	JNL/JPMorgan U.S. Government & Quality Bond Fund
	(J.P. Morgan Investment Management Inc.)	0.69%	6.61%	-0.59%	1.45%
U.S. Equity	JNL/JPMorgan U.S. Value Fund
	(J.P. Morgan Investment Management Inc.)	0.89%	13.86%	11.97%	9.01%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
International/Global Equity	JNL/Loomis Sayles Global Growth Fund
	(Loomis, Sayles & Company, L.P.)	0.99%	17.45%	8.85%	N/A
Fixed Income	JNL/Lord Abbett Short Duration Income Fund
	(Lord, Abbett & Co. LLC)	0.80%	5.84%	2.25%	N/A
U.S. Equity	JNL/Mellon DowSM Index Fund
	(Mellon Investments Corporation)	0.65%	14.17%	10.85%	12.41%
International/Global Equity	JNL/Mellon Emerging Markets Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.75%²	30.92%	3.38%	7.55%
International/Global Equity	JNL/Mellon World Index Fund
	(Mellon Investments Corporation)	0.65%	20.79%	11.80%	11.75%
U.S. Equity	JNL/Mellon Nasdaq® 100 Index Fund
	(Mellon Investments Corporation)	0.63%	20.28%	14.58%	19.09%
U.S. Equity	JNL/Mellon S&P 500 Index Fund
	(Mellon Investments Corporation)	0.52%	17.28%	13.86%	14.24%
U.S. Equity	JNL/Mellon S&P 400 MidCap Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.56%²	6.90%	8.53%	10.13%
U.S. Equity	JNL/Mellon Small Cap Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.56%²	5.57%	6.74%	9.27%
International/Global Equity	JNL/Mellon International Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.61%²	31.50%	8.50%	7.85%
Fixed Income	JNL/Mellon Bond Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.58%²	6.67%	-0.95%	1.41%
U.S. Equity	JNL/Mellon U.S. Stock Market Index Fund
	(Mellon Investments Corporation)	0.61%	16.64%	12.68%	N/A
U.S. Equity	JNL/MFS Equity Income Fund
	(Massachusetts Financial Services Company (d/b/a MFS Investment Management))	0.92%	15.31%	10.39%	N/A
U.S. Equity	JNL/MFS Mid Cap Value Fund
	(Massachusetts Financial Services Company (d/b/a MFS Investment Management))	0.95%	6.01%	10.00%	9.52%
U.S. Equity	JNL/Morningstar SMID Moat Focus Index Fund
	(Mellon Investments Corporation)	0.76%	6.23%	N/A	N/A
U.S. Equity	JNL/Morningstar U.S. Sustainability Index Fund
	(Mellon Investments Corporation)	0.71%	13.40%	12.44%	N/A
Fixed Income	JNL/Neuberger Berman Strategic Income Fund
	(Neuberger Berman Investment Advisers LLC)	0.95%	9.30%	3.00%	4.09%
U.S. Equity	JNL/Newton Equity Income Fund
	(Newton Investment Management North America, LLC)	0.86%	18.97%	16.19%	13.21%
Fixed Income	JNL/PIMCO Income Fund
	(Pacific Investment Management Company LLC)	0.99%	11.07%	3.40%	N/A
Fixed Income	JNL/PIMCO Real Return Fund
	(Pacific Investment Management Company LLC)	1.68%	7.82%	1.24%	3.14%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
Fixed Income	JNL/PPM America Emerging Markets Debt Fund
	(PPM America, Inc.)	0.93%²	N/A	N/A	N/A
Fixed Income	JNL/PPM America High Yield Bond Fund
	(PPM America, Inc.)	0.76%	8.43%	4.27%	5.89%
Fixed Income	JNL/PPM America Investment Grade Credit Fund
	(PPM America, Inc.)	0.83%	7.20%	N/A	N/A
Fixed Income	JNL/PPM America Total Return Fund
	(PPM America, Inc.)	0.79%	6.75%	-0.26%	2.65%
U.S. Equity	JNL/RAFI® Multi-Factor U.S. Equity Fund
	(Mellon Investments Corporation)	0.67%	16.21%	12.43%	10.83%
Allocation	JNL/T. Rowe Price Capital Appreciation Fund
	(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)	0.95%²	11.46%	9.00%	10.79%
U.S. Equity	JNL/T. Rowe Price Capital Appreciation Equity Fund
	(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)	0.97%²	14.63%	N/A	N/A
U.S. Equity	JNL/T. Rowe Price Growth Stock Fund
	(T. Rowe Price Associates, Inc.)	0.83%²	15.26%	9.19%	14.06%
U.S. Equity	JNL/T. Rowe Price Mid-Cap Growth Fund
	(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)	0.95%²	3.14%	3.52%	9.54%
Fixed Income	JNL/T. Rowe Price Short-Term Bond Fund
	(T. Rowe Price Associates, Inc.)	0.72%²	5.44%	1.91%	2.12%
U.S. Equity	JNL/T. Rowe Price Value Fund
	(T. Rowe Price Associates, Inc.)	0.85%²	12.00%	10.54%	10.56%
Allocation	JNL/Vanguard Moderate ETF Allocation Fund
	(Mellon Investments Corporation)	0.69%	11.75%	3.80%	N/A
Allocation	JNL/Vanguard Moderate Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.69%	14.14%	5.56%	N/A
Allocation	JNL/Vanguard Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.68%	16.06%	7.18%	N/A
International/ Global Equity	JNL/WCM Focused International Equity Fund
	(WCM Investment Management, LLC)	1.10%	21.41%	4.80%	10.63%
Allocation	JNL/WMC Balanced Fund
	(Wellington Management Company LLP)	0.71%	15.69%	8.90%	9.27%
U.S. Equity	JNL/WMC Equity Income Fund
	(Wellington Management Company LLP)	0.89%	16.72%	12.08%	N/A
U.S. Equity	JNL/WMC Value Fund
	(Wellington Management Company LLP)	0.79%	14.67%	10.91%	9.80%
Allocation	JNL/JPMorgan Managed Conservative Fund
	(J.P. Morgan Investment Management Inc.)	1.16%	9.28%	1.92%	3.83%
Allocation	JNL//JPMorgan Managed Moderate Fund
	(J.P. Morgan Investment Management Inc.)	1.13%	10.83%	3.48%	5.67%
Allocation	JNL//JPMorgan Managed Moderate Growth Fund
	(J.P. Morgan Investment Management Inc.)	1.12%	12.26%	5.13%	7.50%
Allocation	JNL//JPMorgan Managed Growth Fund
	(J.P. Morgan Investment Management Inc.)	1.13%	13.92%	6.76%	9.47%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
Allocation	JNL//JPMorgan Managed Aggressive Growth Fund
	(J.P. Morgan Investment Management Inc.)	1.15%	14.72%	7.60%	10.35%
Allocation	JNL Conservative Allocation Fund
		1.23%	9.29%	2.57%	4.13%
Allocation	JNL Moderate Allocation Fund
		1.22%	10.75%	4.10%	5.68%
Allocation	JNL Moderate Growth Allocation Fund
		1.21%	12.62%	5.36%	7.22%
Allocation	JNL Growth Allocation Fund
		1.19%	14.81%	6.38%	8.47%
Allocation	JNL Aggressive Growth Allocation Fund
		1.16%	15.62%	7.24%	9.35%


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.
4			This Fund is no longer available for new allocations or transfers.

The following is a list of Fixed Account Options currently available under the Contract. We may change the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate existing Fixed Account Options. We will provide you with written notice before doing so. For more information about the Fixed Account Options, please see "The Fixed Account" beginning on page 13.

Note: If amounts are withdrawn from a Fixed Account Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract Value.


Name	Term	Minimum Guaranteed Interest Rate
1-year Fixed Account Option	1 year	2.40%

The Fixed Account is not available if you have elected any of the following add-on death benefits:

•Roll-up GMDB,

•Combination Roll-up and Highest Quarterly Anniversary Value GMDB, or

•Flex DB (previously called LifeGuard Freedom Flex DB)

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]

Fund Type

Fund and Manager*

(and Sub-Adviser, if applicable)

*The investment manager for each Fund is Jackson National Asset Management, LLC

Current Expenses

Average Annual Total Returns (as of 12/31/25)

1 year

5 year

10 year

Allocation

JNL/American Funds Balanced Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.90%²

15.48%

8.58%

9.14%

Fixed Income

JNL/American Funds Bond Fund of America Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.82%²

6.77%

N/A

Allocation

JNL/American Funds Capital Income Builder Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.95%²

19.86%

8.63%

N/A

International/Global Equity

JNL/American Funds Global Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.05%²

21.20%

7.84%

11.82%

U.S. Equity

JNL/American Funds Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.89%²

19.87%

13.03%

17.58%

U.S. Equity

JNL/American Funds Growth-Income Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%²

17.64%

13.48%

International/Global Equity

JNL/American Funds International Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.11%²

26.25%

3.00%

6.58%

International/Global Equity

JNL/American Funds New World Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.26%²

27.74%

4.86%

8.80%

U.S. Equity

JNL/American Funds® Washington Mutual Investors Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%²

16.75%

13.43%

11.95%

Alternative

JNL Multi-Manager Alternative Fund

2.30%²

9.53%

4.22%

4.14%

International/Global Equity

JNL Multi-Manager Emerging Markets Equity Fund

(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)

1.22%

24.27%

1.67%

5.73%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
Fixed Income	JNL Multi-Manager Floating Rate Income Fund
	(PPM America, Inc.; FIAM LLC)	0.95%	3.83%	4.67%	4.29%
Allocation	JNL Multi-Manager Global Small Cap Fund
		1.16%	14.20%	0.15%	6.89%
International/ Global Equity	JNL Multi-Manager International Equity Fund
	(Causeway Capital Management LLC; Lazard Asset Management LLC; WCM Investment Management, LLC; William Blair Investment Management, LLC)	0.97%	23.50%	1.90%	5.17%
International/Global Equity	JNL Multi-Manager International Small Cap Fund4
	(Baillie Gifford Overseas Limited; Causeway Capital Management LLC; and WCM Investment Management, LLC)	1.20%	25.49%	5.35%	N/A
U.S. Equity	JNL Multi-Manager Mid Cap Fund
	(Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; Nuance Investments, LLC; and Victory Capital Management Inc.)	1.06%	1.83%	4.90%	N/A
U.S. Equity	JNL Multi-Manager Select Equity Fund
	(GQG Partners, LLC; River Road Asset Management, LLC; WCM Investment Management, LLC)	0.99%²	16.02%	N/A	N/A
U.S. Equity	JNL Multi-Manager Small Cap Growth Fund
	(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)	0.98%	3.56%	-1.29%	9.41%
U.S. Equity	JNL Multi-Manager Small Cap Value Fund
	(Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; and WCM Investment Management, LLC)	1.07%	2.69%	8.00%	8.59%
Allocation	JNL Moderate ETF Allocation Fund
	(Mellon Investments Corporation)	0.83%	12.18%	4.18%	5.44%
Allocation	JNL Moderate Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.83%	14.60%	5.90%	7.22%
Allocation	JNL Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.85%	16.64%	7.58%	8.76%
Allocation	JNL/American Funds Moderate Allocation Fund
		0.97%	13.14%	N/A	N/A
Allocation	JNL/American Funds Moderate Growth Allocation Fund
		0.98%	16.29%	5.73%	8.10%
Allocation	JNL/American Funds Growth Allocation Fund
		0.99%	18.49%	7.52%	10.07%
Allocation	JNL/BlackRock Global Allocation Fund
	(BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited)	1.06%	18.76%	6.07%	7.47%
Alternative	JNL/BlackRock Global Natural Resources Fund4
	(BlackRock International Limited)	1.00%	29.78%	13.60%	8.69%
U.S. Equity	JNL/BlackRock Large Cap Select Growth Fund
	(BlackRock Investment Management, LLC)	0.83%²	11.41%	10.41%	15.18%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
International/Global Equity	JNL/Causeway International Value Select Fund
	(Causeway Capital Management LLC)	0.96%	43.10%	14.12%	9.96%
Sector Equity	JNL/Cohen & Steers U.S. Realty Fund4
	(Cohen & Steers Capital Management, Inc.)	1.04%	2.79%	4.73%	N/A
International/Global Equity	JNL/DFA International Core Equity Fund
	(Dimensional Fund Advisors LP)	0.91%	35.29%	9.74%	N/A
U.S. Equity	JNL/DFA U.S. Core Equity Fund
	(Dimensional Fund Advisors LP)	0.80%	15.09%	12.66%	13.16%
U.S. Equity	JNL/DFA U.S. Small Cap Fund
	(Dimensional Fund Advisors LP)	0.99%	7.01%	8.45%	9.52%
Fixed Income	JNL/DoubleLine® Core Fixed Income Fund
	(DoubleLine Capital LP)	0.78%	7.18%	0.07%	2.05%
Fixed Income	JNL/DoubleLine® Emerging Markets Fixed Income Fund
	(DoubleLine Capital LP)	1.08%	8.52%	1.66%	N/A
U.S. Equity	JNL/DoubleLine® Shiller Enhanced CAPE® Fund
	(DoubleLine Capital LP)	0.99%	8.98%	8.23%	12.17%
Fixed Income	JNL/DoubleLine® Total Return Fund
	(DoubleLine Capital LP)	0.83%	7.59%	0.09%	1.65%
Fixed Income	JNL/Dreyfus Government Money Market Fund
	(Mellon Investments Corporation)	0.56%	3.78%	2.75%	1.67%
U.S. Equity	JNL/Fidelity Institutional AM® & JPMorgan Large Cap Growth Fund
	(FIAM LLC; J.P. Morgan Investment Management Inc.)	0.94%	9.05%	10.46%	N/A
Fixed Income	JNL/Fidelity Institutional AM® Total Bond Fund
	(FIAM LLC)	0.76%	7.49%	0.06%	2.09%
Alternative	JNL/First Sentier Global Infrastructure Fund4
	(First Sentier Investors (Australia) IM Ltd)	1.16%	17.55%	6.72%	6.96%
Allocation	JNL/Franklin Templeton Income Fund
	(Franklin Advisers, Inc.)	0.92%	12.00%	7.17%	7.11%
U.S. Equity	JNL/Goldman Sachs 4 Fund
	(Goldman Sachs Asset Management, L.P)	0.70%	16.69%	13.95%	11.59%
International/ Global Equity	JNL/GQG Emerging Markets Equity Fund
	(GQG Partners LLC)	1.34%	10.25%	2.64%	N/A
U.S. Equity	JNL/Invesco Small Cap Growth Fund
	(Invesco Advisers, Inc.)	1.02%	6.17%	-0.73%	9.05%
Alternative	JNL/JPMorgan Hedged Equity Fund
	(J.P. Morgan Investment Management Inc.)	0.96%	7.04%	8.58%	N/A
U.S. Equity	JNL/JPMorgan MidCap Growth Fund
	(J.P. Morgan Investment Management Inc.)	0.89%	8.08%	4.23%	12.15%
Alternative	JNL/JPMorgan Nasdaq® Hedged Equity Fund
	(J.P. Morgan Investment Management Inc.)	0.99%	8.83%	N/A	N/A
Fixed Income	JNL/JPMorgan U.S. Government & Quality Bond Fund
	(J.P. Morgan Investment Management Inc.)	0.69%	6.61%	-0.59%	1.45%
U.S. Equity	JNL/JPMorgan U.S. Value Fund
	(J.P. Morgan Investment Management Inc.)	0.89%	13.86%	11.97%	9.01%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
International/Global Equity	JNL/Loomis Sayles Global Growth Fund
	(Loomis, Sayles & Company, L.P.)	0.99%	17.45%	8.85%	N/A
Fixed Income	JNL/Lord Abbett Short Duration Income Fund
	(Lord, Abbett & Co. LLC)	0.80%	5.84%	2.25%	N/A
U.S. Equity	JNL/Mellon DowSM Index Fund
	(Mellon Investments Corporation)	0.65%	14.17%	10.85%	12.41%
International/Global Equity	JNL/Mellon Emerging Markets Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.75%²	30.92%	3.38%	7.55%
International/Global Equity	JNL/Mellon World Index Fund
	(Mellon Investments Corporation)	0.65%	20.79%	11.80%	11.75%
U.S. Equity	JNL/Mellon Nasdaq® 100 Index Fund
	(Mellon Investments Corporation)	0.63%	20.28%	14.58%	19.09%
U.S. Equity	JNL/Mellon S&P 500 Index Fund
	(Mellon Investments Corporation)	0.52%	17.28%	13.86%	14.24%
U.S. Equity	JNL/Mellon S&P 400 MidCap Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.56%²	6.90%	8.53%	10.13%
U.S. Equity	JNL/Mellon Small Cap Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.56%²	5.57%	6.74%	9.27%
International/Global Equity	JNL/Mellon International Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.61%²	31.50%	8.50%	7.85%
Fixed Income	JNL/Mellon Bond Index Fund3
	(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)	0.58%²	6.67%	-0.95%	1.41%
U.S. Equity	JNL/Mellon U.S. Stock Market Index Fund
	(Mellon Investments Corporation)	0.61%	16.64%	12.68%	N/A
U.S. Equity	JNL/MFS Equity Income Fund
	(Massachusetts Financial Services Company (d/b/a MFS Investment Management))	0.92%	15.31%	10.39%	N/A
U.S. Equity	JNL/MFS Mid Cap Value Fund
	(Massachusetts Financial Services Company (d/b/a MFS Investment Management))	0.95%	6.01%	10.00%	9.52%
U.S. Equity	JNL/Morningstar SMID Moat Focus Index Fund
	(Mellon Investments Corporation)	0.76%	6.23%	N/A	N/A
U.S. Equity	JNL/Morningstar U.S. Sustainability Index Fund
	(Mellon Investments Corporation)	0.71%	13.40%	12.44%	N/A
Fixed Income	JNL/Neuberger Berman Strategic Income Fund
	(Neuberger Berman Investment Advisers LLC)	0.95%	9.30%	3.00%	4.09%
U.S. Equity	JNL/Newton Equity Income Fund
	(Newton Investment Management North America, LLC)	0.86%	18.97%	16.19%	13.21%
Fixed Income	JNL/PIMCO Income Fund
	(Pacific Investment Management Company LLC)	0.99%	11.07%	3.40%	N/A
Fixed Income	JNL/PIMCO Real Return Fund
	(Pacific Investment Management Company LLC)	1.68%	7.82%	1.24%	3.14%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
Fixed Income	JNL/PPM America Emerging Markets Debt Fund
	(PPM America, Inc.)	0.93%²	N/A	N/A	N/A
Fixed Income	JNL/PPM America High Yield Bond Fund
	(PPM America, Inc.)	0.76%	8.43%	4.27%	5.89%
Fixed Income	JNL/PPM America Investment Grade Credit Fund
	(PPM America, Inc.)	0.83%	7.20%	N/A	N/A
Fixed Income	JNL/PPM America Total Return Fund
	(PPM America, Inc.)	0.79%	6.75%	-0.26%	2.65%
U.S. Equity	JNL/RAFI® Multi-Factor U.S. Equity Fund
	(Mellon Investments Corporation)	0.67%	16.21%	12.43%	10.83%
Allocation	JNL/T. Rowe Price Capital Appreciation Fund
	(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)	0.95%²	11.46%	9.00%	10.79%
U.S. Equity	JNL/T. Rowe Price Capital Appreciation Equity Fund
	(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)	0.97%²	14.63%	N/A	N/A
U.S. Equity	JNL/T. Rowe Price Growth Stock Fund
	(T. Rowe Price Associates, Inc.)	0.83%²	15.26%	9.19%	14.06%
U.S. Equity	JNL/T. Rowe Price Mid-Cap Growth Fund
	(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)	0.95%²	3.14%	3.52%	9.54%
Fixed Income	JNL/T. Rowe Price Short-Term Bond Fund
	(T. Rowe Price Associates, Inc.)	0.72%²	5.44%	1.91%	2.12%
U.S. Equity	JNL/T. Rowe Price Value Fund
	(T. Rowe Price Associates, Inc.)	0.85%²	12.00%	10.54%	10.56%
Allocation	JNL/Vanguard Moderate ETF Allocation Fund
	(Mellon Investments Corporation)	0.69%	11.75%	3.80%	N/A
Allocation	JNL/Vanguard Moderate Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.69%	14.14%	5.56%	N/A
Allocation	JNL/Vanguard Growth ETF Allocation Fund
	(Mellon Investments Corporation)	0.68%	16.06%	7.18%	N/A
International/ Global Equity	JNL/WCM Focused International Equity Fund
	(WCM Investment Management, LLC)	1.10%	21.41%	4.80%	10.63%
Allocation	JNL/WMC Balanced Fund
	(Wellington Management Company LLP)	0.71%	15.69%	8.90%	9.27%
U.S. Equity	JNL/WMC Equity Income Fund
	(Wellington Management Company LLP)	0.89%	16.72%	12.08%	N/A
U.S. Equity	JNL/WMC Value Fund
	(Wellington Management Company LLP)	0.79%	14.67%	10.91%	9.80%
Allocation	JNL/JPMorgan Managed Conservative Fund
	(J.P. Morgan Investment Management Inc.)	1.16%	9.28%	1.92%	3.83%
Allocation	JNL//JPMorgan Managed Moderate Fund
	(J.P. Morgan Investment Management Inc.)	1.13%	10.83%	3.48%	5.67%
Allocation	JNL//JPMorgan Managed Moderate Growth Fund
	(J.P. Morgan Investment Management Inc.)	1.12%	12.26%	5.13%	7.50%
Allocation	JNL//JPMorgan Managed Growth Fund
	(J.P. Morgan Investment Management Inc.)	1.13%	13.92%	6.76%	9.47%


Fund Type	Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 year	10 year
Allocation	JNL//JPMorgan Managed Aggressive Growth Fund
	(J.P. Morgan Investment Management Inc.)	1.15%	14.72%	7.60%	10.35%
Allocation	JNL Conservative Allocation Fund
		1.23%	9.29%	2.57%	4.13%
Allocation	JNL Moderate Allocation Fund
		1.22%	10.75%	4.10%	5.68%
Allocation	JNL Moderate Growth Allocation Fund
		1.21%	12.62%	5.36%	7.22%
Allocation	JNL Growth Allocation Fund
		1.19%	14.81%	6.38%	8.47%
Allocation	JNL Aggressive Growth Allocation Fund
		1.16%	15.62%	7.24%	9.35%


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.
4			This Fund is no longer available for new allocations or transfers.

Portfolio Company Adviser [Text Block]

Jackson National Asset Management, LLC

Temporary Fee Reductions, Current Expenses [Text Block]

The Fund’s current expenses reflect temporary fee reductions.

Fixed Option [Line Items]

Fixed Options Available Legend [Text Block]

Note: If amounts are withdrawn from a Fixed Account Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract Value.

The Fixed Account is not available if you have elected any of the following add-on death benefits:

•Roll-up GMDB,

•Combination Roll-up and Highest Quarterly Anniversary Value GMDB, or

•Flex DB (previously called LifeGuard Freedom Flex DB)

Fixed Options Available [Table Text Block]


Name	Term	Minimum Guaranteed Interest Rate
1-year Fixed Account Option	1 year	2.40%

Fixed Option Available, Name

1-year Fixed Account Option

Fixed Option Available, Term

1 year

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

2.40%

C000218281 [Member] | C000004694 [Member]

Allocation

JNL/American Funds Balanced Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.90%

15.48%

8.58%

C000218281 [Member] | C000225794 [Member]

9.14%

Fixed Income

JNL/American Funds Bond Fund of America Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.82%

C000218281 [Member] | C000202635 [Member]

6.77%

Allocation

JNL/American Funds Capital Income Builder Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.95%

19.86%

C000218281 [Member] | C000218222 [Member]

8.63%

International/Global Equity

JNL/American Funds Global Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.05%

21.20%

7.84%

C000218281 [Member] | C000218225 [Member]

11.82%

U.S. Equity

JNL/American Funds Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.89%

19.87%

13.03%

C000218281 [Member] | C000085351 [Member]

17.58%

U.S. Equity

JNL/American Funds Growth-Income Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%

17.64%

13.48%

C000218281 [Member] | C000085354 [Member]

13.48%

International/Global Equity

JNL/American Funds International Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.11%

26.25%

3.00%

C000218281 [Member] | C000085355 [Member]

6.58%

International/Global Equity

JNL/American Funds New World Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.26%

27.74%

4.86%

C000218281 [Member] | C000085345 [Member]

8.80%

U.S. Equity

JNL/American Funds® Washington Mutual Investors Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%

16.75%

13.43%

C000218281 [Member] | C000153487 [Member]

11.95%

Alternative

JNL Multi-Manager Alternative Fund

2.30%

9.53%

4.22%

C000218281 [Member] | C000029600 [Member]

4.14%

International/Global Equity

JNL Multi-Manager Emerging Markets Equity Fund

(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)

1.22%

24.27%

1.67%

C000218281 [Member] | C000095821 [Member]

5.73%

Fixed Income

JNL Multi-Manager Floating Rate Income Fund

(PPM America, Inc.; FIAM LLC)

0.95%

3.83%

4.67%

C000218281 [Member] | C000085349 [Member]

4.29%

Allocation

JNL Multi-Manager Global Small Cap Fund

1.16%

14.20%

0.15%

C000218281 [Member] | C000004630 [Member]

6.89%

International/
Global Equity

JNL Multi-Manager International Equity Fund

(Causeway Capital Management LLC; Lazard Asset Management LLC; WCM Investment Management, LLC; William Blair Investment Management, LLC)

0.97%

23.50%

1.90%

C000218281 [Member] | C000202637 [Member]

5.17%

International/Global Equity

JNL Multi-Manager International Small Cap Fund4

(Baillie Gifford Overseas Limited; Causeway Capital Management LLC; and WCM Investment Management, LLC)

1.20%

25.49%

C000218281 [Member] | C000172890 [Member]

5.35%

U.S. Equity

JNL Multi-Manager Mid Cap Fund

(Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; Nuance Investments, LLC; and Victory Capital Management Inc.)

1.06%

1.83%

C000218281 [Member] | C000239073 [Member]

4.90%

U.S. Equity

JNL Multi-Manager Select Equity Fund

(GQG Partners, LLC; River Road Asset Management, LLC; WCM Investment Management, LLC)

0.99%

C000218281 [Member] | C000004683 [Member]

16.02%

U.S. Equity

JNL Multi-Manager Small Cap Growth Fund

(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)

0.98%

3.56%

(1.29%)

C000218281 [Member] | C000004705 [Member]

9.41%

U.S. Equity

JNL Multi-Manager Small Cap Value Fund

(Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; and WCM Investment Management, LLC)

1.07%

2.69%

8.00%

C000218281 [Member] | C000218214 [Member]

8.59%

Allocation

JNL Moderate ETF Allocation Fund

(Mellon Investments Corporation)

0.83%

12.18%

4.18%

C000218281 [Member] | C000218217 [Member]

5.44%

Allocation

JNL Moderate Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.83%

14.60%

5.90%

C000218281 [Member] | C000218218 [Member]

7.22%

Allocation

JNL Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.85%

16.64%

7.58%

C000218281 [Member] | C000252141 [Member]

8.76%

Allocation

JNL/American Funds Moderate Allocation Fund

0.97%

C000218281 [Member] | C000111243 [Member]

13.14%

Allocation

JNL/American Funds Moderate Growth Allocation Fund

0.98%

16.29%

5.73%

C000218281 [Member] | C000111244 [Member]

8.10%

Allocation

JNL/American Funds Growth Allocation Fund

0.99%

18.49%

7.52%

C000218281 [Member] | C000090917 [Member]

10.07%

Allocation

JNL/BlackRock Global Allocation Fund

(BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited)

1.06%

18.76%

6.07%

C000218281 [Member] | C000039480 [Member]

7.47%

Alternative

JNL/BlackRock Global Natural Resources Fund4

(BlackRock International Limited)

1.00%

29.78%

13.60%

C000218281 [Member] | C000004653 [Member]

8.69%

U.S. Equity

JNL/BlackRock Large Cap Select Growth Fund

(BlackRock Investment Management, LLC)

0.83%

11.41%

10.41%

C000218281 [Member] | C000004631 [Member]

15.18%

International/Global Equity

JNL/Causeway International Value Select Fund

(Causeway Capital Management LLC)

0.96%

43.10%

14.12%

C000218281 [Member] | C000202639 [Member]

9.96%

Sector Equity

JNL/Cohen & Steers U.S. Realty Fund4

(Cohen & Steers Capital Management, Inc.)

1.04%

2.79%

C000218281 [Member] | C000210331 [Member]

4.73%

International/Global Equity

JNL/DFA International Core Equity Fund

(Dimensional Fund Advisors LP)

0.91%

35.29%

C000218281 [Member] | C000004672 [Member]

9.74%

U.S. Equity

JNL/DFA U.S. Core Equity Fund

(Dimensional Fund Advisors LP)

0.80%

15.09%

12.66%

C000218281 [Member] | C000218178 [Member]

13.16%

U.S. Equity

JNL/DFA U.S. Small Cap Fund

(Dimensional Fund Advisors LP)

0.99%

7.01%

8.45%

C000218281 [Member] | C000004643 [Member]

9.52%

Fixed Income

JNL/DoubleLine® Core Fixed Income Fund

(DoubleLine Capital LP)

0.78%

7.18%

0.07%

C000218281 [Member] | C000166582 [Member]

2.05%

Fixed Income

JNL/DoubleLine® Emerging Markets Fixed Income Fund

(DoubleLine Capital LP)

1.08%

8.52%

C000218281 [Member] | C000159263 [Member]

1.66%

U.S. Equity

JNL/DoubleLine® Shiller Enhanced CAPE® Fund

(DoubleLine Capital LP)

0.99%

8.98%

C000218281 [Member] | C000218180 [Member]

8.23%

Fixed Income

JNL/DoubleLine® Total Return Fund

(DoubleLine Capital LP)

0.83%

7.59%

0.09%

C000218281 [Member] | C000004654 [Member]

1.65%

Fixed Income

JNL/Dreyfus Government Money Market Fund

(Mellon Investments Corporation)

0.56%

3.78%

2.75%

C000218281 [Member] | C000192056 [Member]

1.67%

U.S. Equity

JNL/Fidelity Institutional AM® & JPMorgan Large Cap Growth Fund

(FIAM LLC; J.P. Morgan Investment Management Inc.)

0.94%

9.05%

C000218281 [Member] | C000004648 [Member]

10.46%

Fixed Income

JNL/Fidelity Institutional AM® Total Bond Fund

(FIAM LLC)

0.76%

7.49%

0.06%

C000218281 [Member] | C000106863 [Member]

2.09%

Alternative

JNL/First Sentier Global Infrastructure Fund4

(First Sentier Investors (Australia) IM Ltd)

1.16%

17.55%

6.72%

C000218281 [Member] | C000029596 [Member]

6.96%

Allocation

JNL/Franklin Templeton Income Fund

(Franklin Advisers, Inc.)

0.92%

12.00%

7.17%

C000218281 [Member] | C000054128 [Member]

7.11%

U.S. Equity

JNL/Goldman Sachs 4 Fund

(Goldman Sachs Asset Management, L.P)

0.70%

16.69%

13.95%

C000218281 [Member] | C000192058 [Member]

11.59%

International/
Global Equity

JNL/GQG Emerging Markets Equity Fund

(GQG Partners LLC)

1.34%

10.25%

C000218281 [Member] | C000004650 [Member]

2.64%

U.S. Equity

JNL/Invesco Small Cap Growth Fund

(Invesco Advisers, Inc.)

1.02%

6.17%

(0.73%)

C000218281 [Member] | C000202641 [Member]

9.05%

Alternative

JNL/JPMorgan Hedged Equity Fund

(J.P. Morgan Investment Management Inc.)

0.96%

7.04%

C000218281 [Member] | C000004704 [Member]

8.58%

U.S. Equity

JNL/JPMorgan MidCap Growth Fund

(J.P. Morgan Investment Management Inc.)

0.89%

8.08%

4.23%

C000218281 [Member] | C000252145 [Member]

12.15%

Alternative

JNL/JPMorgan Nasdaq® Hedged Equity Fund

(J.P. Morgan Investment Management Inc.)

0.99%

C000218281 [Member] | C000004649 [Member]

8.83%

Fixed Income

JNL/JPMorgan U.S. Government & Quality Bond Fund

(J.P. Morgan Investment Management Inc.)

0.69%

6.61%

(0.59%)

C000218281 [Member] | C000039493 [Member]

1.45%

U.S. Equity

JNL/JPMorgan U.S. Value Fund

(J.P. Morgan Investment Management Inc.)

0.89%

13.86%

11.97%

C000218281 [Member] | C000202644 [Member]

9.01%

International/Global Equity

JNL/Loomis Sayles Global Growth Fund

(Loomis, Sayles & Company, L.P.)

0.99%

17.45%

C000218281 [Member] | C000218177 [Member]

8.85%

Fixed Income

JNL/Lord Abbett Short Duration Income Fund

(Lord, Abbett & Co. LLC)

0.80%

5.84%

C000218281 [Member] | C000218193 [Member]

2.25%

U.S. Equity

JNL/Mellon DowSM Index Fund

(Mellon Investments Corporation)

0.65%

14.17%

10.85%

C000218281 [Member] | C000102953 [Member]

12.41%

International/Global Equity

JNL/Mellon Emerging Markets Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.75%

30.92%

3.38%

C000218281 [Member] | C000218195 [Member]

7.55%

International/Global Equity

JNL/Mellon World Index Fund

(Mellon Investments Corporation)

0.65%

20.79%

11.80%

C000218281 [Member] | C000218197 [Member]

11.75%

U.S. Equity

JNL/Mellon Nasdaq® 100 Index Fund

(Mellon Investments Corporation)

0.63%

20.28%

14.58%

C000218281 [Member] | C000004634 [Member]

19.09%

U.S. Equity

JNL/Mellon S&P 500 Index Fund

(Mellon Investments Corporation)

0.52%

17.28%

13.86%

C000218281 [Member] | C000004635 [Member]

14.24%

U.S. Equity

JNL/Mellon S&P 400 MidCap Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.56%

6.90%

8.53%

C000218281 [Member] | C000004636 [Member]

10.13%

U.S. Equity

JNL/Mellon Small Cap Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.56%

5.57%

6.74%

C000218281 [Member] | C000004637 [Member]

9.27%

International/Global Equity

JNL/Mellon International Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.61%

31.50%

8.50%

C000218281 [Member] | C000004638 [Member]

7.85%

Fixed Income

JNL/Mellon Bond Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.58%

6.67%

(0.95%)

C000218281 [Member] | C000192075 [Member]

1.41%

U.S. Equity

JNL/Mellon U.S. Stock Market Index Fund

(Mellon Investments Corporation)

0.61%

16.64%

C000218281 [Member] | C000192060 [Member]

12.68%

U.S. Equity

JNL/MFS Equity Income Fund

(Massachusetts Financial Services Company (d/b/a MFS Investment Management))

0.92%

15.31%

C000218281 [Member] | C000004629 [Member]

10.39%

U.S. Equity

JNL/MFS Mid Cap Value Fund

(Massachusetts Financial Services Company (d/b/a MFS Investment Management))

0.95%

6.01%

10.00%

C000218281 [Member] | C000248333 [Member]

9.52%

U.S. Equity

JNL/Morningstar SMID Moat Focus Index Fund

(Mellon Investments Corporation)

0.76%

C000218281 [Member] | C000179076 [Member]

6.23%

U.S. Equity

JNL/Morningstar U.S. Sustainability Index Fund

(Mellon Investments Corporation)

0.71%

13.40%

C000218281 [Member] | C000111249 [Member]

12.44%

Fixed Income

JNL/Neuberger Berman Strategic Income Fund

(Neuberger Berman Investment Advisers LLC)

0.95%

9.30%

3.00%

C000218281 [Member] | C000218220 [Member]

4.09%

U.S. Equity

JNL/Newton Equity Income Fund

(Newton Investment Management North America, LLC)

0.86%

18.97%

16.19%

C000218281 [Member] | C000192062 [Member]

13.21%

Fixed Income

JNL/PIMCO Income Fund

(Pacific Investment Management Company LLC)

0.99%

11.07%

C000218281 [Member] | C000029602 [Member]

3.40%

Fixed Income

JNL/PIMCO Real Return Fund

(Pacific Investment Management Company LLC)

1.68%

7.82%

1.24%

C000218281 [Member] | C000271898 [Member]

3.14%

Fixed Income

JNL/PPM America Emerging Markets Debt Fund

(PPM America, Inc.)

C000218281 [Member] | C000004647 [Member]

0.93%

Fixed Income

JNL/PPM America High Yield Bond Fund

(PPM America, Inc.)

0.76%

8.43%

4.27%

C000218281 [Member] | C000248335 [Member]

5.89%

Fixed Income

JNL/PPM America Investment Grade Credit Fund

(PPM America, Inc.)

0.83%

C000218281 [Member] | C000166583 [Member]

7.20%

Fixed Income

JNL/PPM America Total Return Fund

(PPM America, Inc.)

0.79%

6.75%

(0.26%)

C000218281 [Member] | C000210333 [Member]

2.65%

U.S. Equity

JNL/RAFI® Multi-Factor U.S. Equity Fund

(Mellon Investments Corporation)

0.67%

16.21%

12.43%

C000218281 [Member] | C000218189 [Member]

10.83%

Allocation

JNL/T. Rowe Price Capital Appreciation Fund

(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)

0.95%

11.46%

9.00%

C000218281 [Member] | C000252143 [Member]

10.79%

U.S. Equity

JNL/T. Rowe Price Capital Appreciation Equity Fund

(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)

0.97%

C000218281 [Member] | C000004656 [Member]

14.63%

U.S. Equity

JNL/T. Rowe Price Growth Stock Fund

(T. Rowe Price Associates, Inc.)

0.83%

15.26%

9.19%

C000218281 [Member] | C000004657 [Member]

14.06%

U.S. Equity

JNL/T. Rowe Price Mid-Cap Growth Fund

(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)

0.95%

3.14%

3.52%

C000218281 [Member] | C000029598 [Member]

9.54%

Fixed Income

JNL/T. Rowe Price Short-Term Bond Fund

(T. Rowe Price Associates, Inc.)

0.72%

5.44%

1.91%

C000218281 [Member] | C000004658 [Member]

2.12%

U.S. Equity

JNL/T. Rowe Price Value Fund

(T. Rowe Price Associates, Inc.)

0.85%

12.00%

10.54%

C000218281 [Member] | C000192068 [Member]

10.56%

Allocation

JNL/Vanguard Moderate ETF Allocation Fund

(Mellon Investments Corporation)

0.69%

11.75%

C000218281 [Member] | C000192078 [Member]

3.80%

Allocation

JNL/Vanguard Moderate Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.69%

14.14%

C000218281 [Member] | C000192080 [Member]

5.56%

Allocation

JNL/Vanguard Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.68%

16.06%

C000218281 [Member] | C000218191 [Member]

7.18%

International/
Global Equity

JNL/WCM Focused International Equity Fund

(WCM Investment Management, LLC)

1.10%

21.41%

4.80%

C000218281 [Member] | C000004651 [Member]

10.63%

Allocation

JNL/WMC Balanced Fund

(Wellington Management Company LLP)

0.71%

15.69%

8.90%

C000218281 [Member] | C000192064 [Member]

9.27%

U.S. Equity

JNL/WMC Equity Income Fund

(Wellington Management Company LLP)

0.89%

16.72%

C000218281 [Member] | C000004655 [Member]

12.08%

U.S. Equity

JNL/WMC Value Fund

(Wellington Management Company LLP)

0.79%

14.67%

10.91%

C000218281 [Member] | C000004659 [Member]

9.80%

Allocation

JNL/JPMorgan Managed Conservative Fund

(J.P. Morgan Investment Management Inc.)

1.16%

9.28%

1.92%

C000218281 [Member] | C000004660 [Member]

3.83%

Allocation

JNL//JPMorgan Managed Moderate Fund

(J.P. Morgan Investment Management Inc.)

1.13%

10.83%

3.48%

C000218281 [Member] | C000004662 [Member]

5.67%

Allocation

JNL//JPMorgan Managed Moderate Growth Fund

(J.P. Morgan Investment Management Inc.)

1.12%

12.26%

5.13%

C000218281 [Member] | C000004663 [Member]

7.50%

Allocation

JNL//JPMorgan Managed Growth Fund

(J.P. Morgan Investment Management Inc.)

1.13%

13.92%

6.76%

C000218281 [Member] | C000004664 [Member]

9.47%

Allocation

JNL//JPMorgan Managed Aggressive Growth Fund

(J.P. Morgan Investment Management Inc.)

1.15%

14.72%

7.60%

C000218281 [Member] | C000218198 [Member]

10.35%

Allocation

JNL Conservative Allocation Fund

1.23%

9.29%

2.57%

C000218281 [Member] | C000218212 [Member]

4.13%

Allocation

JNL Moderate Allocation Fund

1.22%

10.75%

4.10%

C000218281 [Member] | C000039495 [Member]

5.68%

Allocation

JNL Moderate Growth Allocation Fund

1.21%

12.62%

5.36%

C000218281 [Member] | C000039496 [Member]

7.22%

Allocation

JNL Growth Allocation Fund

1.19%

14.81%

6.38%

C000218281 [Member] | C000039497 [Member]

8.47%

Allocation

JNL Aggressive Growth Allocation Fund

1.16%

15.62%

7.24%

C000218281 [Member] | Standard Death Benefit [Member]

9.35%

Basic Death Benefit

Standard Benefit Expense (of Other Amount), Maximum [Percent]

Guarantees your beneficiaries will receive a benefit at least equal to the greater of your Contract Value or your total Premiums paid.

0.00%

•Withdrawals could significantly reduce the benefit.

•Benefit terminates on annuitization.

C000218281 [Member] | Premium Taxes [Member]

Basic Death Benefit

Other Transaction Fee (of Other Amount), Maximum [Percent]

3.50%

Other Transaction Fee (of Other Amount), Minimum [Percent]

0.00%

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

Premium taxes generally range from 0.0% to 3.5% and vary by state.

C000218281 [Member] | Expedited Delivery Charge [Member]

Other Transaction Fee, Maximum [Dollars]

$ 38

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

We pass the current charges for requested expedited delivery services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. Between Monday and Friday, the current Expedited Delivery Charge is $23. On Saturday, the current Expedited Delivery Charge is $38.

C000218281 [Member] | Wire Transfers [Member]

Other Transaction Fee, Maximum [Dollars]

$ 25

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

We pass the current charges for requested wire transfer services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. Currently, standard wire fees are $20, and international wire fees are $25.

C000218281 [Member] | Roll-up Guaranteed Minimum Death Benefit (“GMDB”) [Member]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.80%

Roll-up GMDB

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Provides a death benefit that increases at an annual interest rate until the Contract Anniversary immediately preceding the oldest Covered Life’s 81st birthday.

1.80%

•Available to Owners age 79 or younger.

•Interest rate depends on age and date of election.

•Withdrawals could significantly reduce or terminate the benefit.

•Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract).

•May provide value after the Income Date.

•Availability of all add-on death benefits are subject to age limitations.

•Only one add-on death benefit may be elected.

•The Fixed Account Options are not available if you elect the Roll-up GMDB add-on death benefit.

C000218281 [Member] | Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit [Member]

Roll-up GMDB

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

0.60%

Highest Quarterly Anniversary Value GMDB

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Provides a new locked-in higher death benefit on each Contract quarterly anniversary (prior to the oldest Covered Life’s 81st birthday) if your investments increase in value

0.60%

•Available to Owners age 79 or younger.

•Withdrawals could significantly reduce or terminate the benefit.

•Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract).

•May provide value after the Income Date.

•Availability of all add-on death benefits are subject to age limitations.

•Only one add-on death benefit may be elected.

C000218281 [Member] | Combination Roll-up And Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit (“GMDB”) [Member]

Highest Quarterly Anniversary Value GMDB

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.00%

Combination Roll-up and Highest Quarterly Anniversary Value GMDB

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Provides a minimum death benefit equal to the greater of (ii) the Roll-up GMDB and (ii) the Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit.

2.00%

•Available to Owners age 79 or younger.

•Withdrawals could significantly reduce or terminate the benefit.

•Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract).

•May provide value after the Income Date.

•Availability of all add-on death benefits are subject to age limitations.

•Only one add-on death benefit may be elected.

•The Fixed Account Options are not available if you elect the Combination Roll-up and Highest Quarterly Anniversary Value GMDB add-on death benefit.

C000218281 [Member] | Flex DB (Only Available With Specified Benefit Options On The Flex GMWB) [Member]

Combination Roll-up and Highest Quarterly Anniversary Value GMDB

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.60%

The maximum annual charges used in the table are based on election of the Flex Core benefit option. Prior to August 28, 2023, Flex DB was called LifeGuard Freedom Flex DB.Prior to August 28, 2023, Flex GMWB was called LifeGuard Freedom Flex GMWB.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.60%

C000218281 [Member] | For Life GMWB With Bonus And Step-Up To The Highest Quarterly Contract Value (“Flex GMWB”) [Member]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

The maximum annual charges used in the table are based on election of the most expensive benefit option under the Flex GMWB. The Flex GMWB includes different benefit options you may elect, and each benefit option results in different charges.Prior to August 28, 2023, Flex GMWB was called LifeGuard Freedom Flex GMWB.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

C000218281 [Member] | Joint For Life GMWB With Bonus And Step-Up To The Highest Quarterly Contract Value (“Flex With Joint Option GMWB”) [Member]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

The maximum annual charges used in the table are based on election of the most expensive benefit option under Flex with Joint Option GMWB. The Flex with Joint Option GMWB includes different benefit options you may elect, and each benefit option results in different charges.Prior to August 28, 2023, Flex With Joint Option GMWB was called LifeGuard Freedom Flex With Joint Option GMWB.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

C000218281 [Member] | Contract Value Death Benefit [Member]

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Contract Value Death Benefit

Optional Benefit Expense (of Other Amount), Maximum [Percent]

An alternative to the Contract’s basic death benefit; changes your default death benefit to equal your Contract Value. Election of the Contract Value Death Benefit reduces your Core Contract Charge. The reduction in Core Contract Charge is relative to the standard charges associated with administering the Contract’s basic death benefit.

0.00%

•If you elect the Contract Value Death Benefit, no other add-on death benefits are available for election.

•Availability of all add-on death benefits are subject to age limitations.

•Only one add-on death benefit may be elected.

C000218281 [Member] | Flex DB [Member]

Contract Value Death Benefit

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.60%

Flex DB (previously called LifeGuard Freedom Flex DB)

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

This death benefit works in connection with the Flex GMWB and provides a minimum death benefit equal to the Flex GMWB Guaranteed Withdrawal Balance (GWB), that is not reduced for your allowed annual withdrawals. For Contracts issued on or after July 21, 2025, this death benefit also provides a 7th Contract Anniversary step-up to potentially increase the death benefit.

1.60%

•Available to Owners age 35 to 75.

•Available only at issue and only with the certain benefit options under the Flex GMWB (previously called the LifeGuard Freedom Flex GMWB).

•Withdrawal percentages depend on age and date of election.

•Withdrawals could significantly reduce or terminate the benefit.

•Fee may be increased on each 5th Contract Anniversary (opting out will affect the benefit and the Contract).

•May provide value after the Income Date.

•Availability of all add-on death benefits are subject to age limitations.

•Only one add-on death benefit may be elected.

•The Fixed Account Options are not available if you elect the Flex DB add-on death benefit.

C000218281 [Member] | Flex GMWB [Member]

Flex DB (previously called LifeGuard Freedom Flex DB)

Flex GMWB (Single) and (Joint) (previously called LifeGuard Freedom Flex GMWB)

Offers a unique level of flexibility because you can choose from a range of benefit options to increase your Guaranteed Withdrawal Balance (“GWB”). In down or flat market years, you can receive a bonus in years you don’t take withdrawals, when your Contract does well, you can lock in investment gains with step-ups, and as your protected GWB steps up, your bonus amount can also grow.

•Available to Owners age 35 to 80.

•GAWA% depends on age and income stream level included with selected benefit option at time of first withdrawal.

•Bonus applies for limited period and requires no withdrawals.

•Amount of guaranteed withdrawals depends on the benefit option and specified combination of optional features under the benefit.

•Jackson may prospectively change the GAWA%, including the age bands, on new GMWB endorsements (via rate sheet).

•Withdrawals prior to start of For Life Guarantee and excess withdrawals could significantly reduce or terminate the benefit.

C000218281 [Member] | Flex GMWB - Single Life Option [Member]

Flex GMWB (Single) and (Joint) (previously called LifeGuard Freedom Flex GMWB)

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

C000218281 [Member] | Flex GMWB - Joint Life Option [Member]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

3.00%

C000218281 [Member] | Terminal Illness Benefit/ Extended Care Benefit [Member]

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Terminal Illness Benefit/ Extended Care Benefit

Optional Benefit Expense (of Other Amount), Maximum [Percent]

Increases the amount that can be withdrawn from your Contract without a withdrawal charge if you experience certain qualifying events such as: (i) diagnosis with an illness that will result in your death within 12 months; or (ii) confinement to a nursing home or hospital for 90 consecutive days.

0.00%

•Maximum free withdrawal amount is $250,000 of your Contract Value.

•Can only be exercised once.

•Any Market Value Adjustment still applies.

•Physician’s statement required.

•Qualifying event must occur after the Contract was issued.

C000218281 [Member] | Rebalancing [Member]

Terminal Illness Benefit/ Extended Care Benefit

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Rebalancing

Optional Benefit Expense (of Other Amount), Maximum [Percent]

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.

0.00%

•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.

C000218281 [Member] | Dollar Cost Averaging [Member]

Rebalancing

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Dollar Cost Averaging

Optional Benefit Expense (of Other Amount), Maximum [Percent]

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.

0.00%

•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.

C000218281 [Member] | Dollar Cost Averaging Plus (DCA+) [Member]

Dollar Cost Averaging

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Dollar Cost Averaging Plus (DCA+)

Optional Benefit Expense (of Other Amount), Maximum [Percent]

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.

0.00%

•Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option.

•The DCA+ Fixed Account Option is only available for new Premiums.

•A Contract Value of $15,000 is required to participate.

C000218281 [Member] | Earnings Sweep [Member]

Dollar Cost Averaging Plus (DCA+)

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Earnings Sweep

Optional Benefit Expense (of Other Amount), Maximum [Percent]

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).

0.00%

•May only be added within 30 days of the issue date of your Contract.

•You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions.

C000218281 [Member] | Capital Protection Program [Member]

Earnings Sweep

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Capital Protection Program

Optional Benefit Expense (of Other Amount), Maximum [Percent]

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).

0.00%

•Effective August 28, 2023, this benefit is no longer available for election.

•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.

•Only available at issue.

C000218281 [Member] | Risk of Loss [Member]

Capital Protection Program

Yes. You can lose money by investing in this Contract.

C000218281 [Member] | Not Short Term Investment Risk [Member]

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.

No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.

C000218281 [Member] | Investment Options Risk [Member]

C000218281 [Member] | Insurance Company Risk [Member]

C000218281 [Member] | Liquidity And Early Withdrawal Risk [Member]

C000218281 [Member] | Investment Restrictions Risk [Member]

C000218281 [Member] | Premium Payment Risk [Member]

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.

C000218281 [Member] | Fees And Charges Risk [Member]

C000218281 [Member] | Possible Adverse Tax Consequences Risk [Member]

C000218281 [Member] | Add-On Benefits Risk [Member]

C000218281 [Member] | Conditions To Contract Benefits Risk [Member]

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.

C000218281 [Member] | Alternatives To The Contract Risk [Member]

C000218281 [Member] | Potentially Harmful Transfer Activity Risk [Member]

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

C000218281 [Member] | Fixed Account Option Rates Risk [Member]

C000218281 [Member] | Business Continuity And Cybersecurity Risk [Member]

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