At the end of the term, we will credit positive or negative interest ("Index Adjustment") to amounts allocated to your Index Account Option based, in part, on the performance of your selected Index.

Index-Linked Option Overview, Investor Could Lose Money if Index Declines [Text Block]

You could lose a significant amount of money if the Index declines in value.

Index-Linked Option Overview, Limits the Negative Return [Text Block]

If the Index Return is negative, the Contract credits losses, which may be either absorbed or offset, subject to the Protection Option you choose: a stated Buffer or Floor.

Index-Linked Option Overview, Limits Positive Return [Text Block]

If the Index Return is positive, the Contract credits any gains in that Index to your Index Account Option Value, subject to the Crediting Method you choose: Cap, Performance Trigger, or Performance Boost.

Overview, Investor Could Lose Money Due to Contract Adjustments if Amounts are Removed [Text Block]

You could lose a significant amount of money due to the use of Interim Values if amounts are removed from the Index Account Options prior to the end of the Index Account Option Term.

Overview, Transactions Subject to Contract Adjustments [Text Block]

Because the Index Account Options are designed to credit an Index Adjustment by measuring the change in the Index Return from the beginning of the Index Account Option Term to the end of the Index Account Option Term, an Interim Value calculation is necessary to determine the daily value of your Index Account Option on any given Business Day for purposes of Intra-Term Performance Locks or if amounts are removed from an Index Account Option prior to the end of the Index Account Option Term, including partial or total withdrawals from the Contract (including withdrawals of the Guaranteed Annual Withdrawal Amount under the +Income GMWB or +Income GMWB with Joint Option), automatic withdrawals, required minimum distributions ("RMD"), deductions of the GMWB Charge, direct deduction of advisory fees pursuant to our administrative rules, amounts applied to an income option upon annuitization, and payment of the Contract Value element of the Death Benefit.

Item 3. Key Information [Line Items]

Fees and Expenses [Text Block]

FEES, EXPENSES, AND ADJUSTMENTS

Location in Prospectus

Are There Charges or Adjustments for Early Withdrawals?

Yes. If you withdraw money from your Contract during the first 6 years of the Contract, we will apply a Market Value Adjustment (MVA) to the amount withdrawn, which may be negative. The application of the MVA could result in loss. In extreme circumstances, such loss could be as high as 100% of the amount withdrawn. For example, if you invest $100,000 in the Contract and then take a total withdrawal of Contract Value within the first six Contract Years, you could lose up to $100,000 of your investment.

In addition, if all or a portion of Contract Value is removed from an Index Account Option before the end of the Index Account Option Term or you exercise an Intra-Term Performance Lock, we will apply an Interim Value adjustment, which may be negative. The Interim Value adjustment applies upon partial or total withdrawals from the Contract (including withdrawals of the Guaranteed Annual Withdrawal Amount under the +Income GMWB or +Income GMWB with Joint Option), automatic withdrawals, RMDs, deductions of the GMWB Charge, direct deduction of advisory fees pursuant to our administrative rules, amounts applied to an income option upon annuitization, and payment of the Contract Value element of the Death Benefit. You could lose up to 100% of your investment due to this Interim Value adjustment. For example, if you allocate $100,000 to a 3-year Index Account Option and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment.

Charges and Adjustments

Are There Transaction Charges?

Yes. In addition to any negative Market Value Adjustment or negative Interim Value adjustment, you may be charged for other transactions, such as when you request expedited delivery or wire transfer of funds.

Charges and Adjustments- Transaction Expenses

Are There Ongoing Fees and Expenses?

Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional benefits you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third-party financial professionals from your Contract Value or other assets. If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

There is an implicit ongoing fee on Index Account Options to the extent that your participation in Index gains is limited by Jackson through the use of a Cap, Performance Trigger Rate, or Performance Boost Cap Rate. This means that your returns may be lower than your elected Index's returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.

Contract Options - Index Account

Additional Information About the Index Account Options - Crediting Methods

ANNUAL FEE

MINIMUM

MAXIMUM

1. Base Contract

2. Optional benefits available for an additional charge1

See current Rate Sheet Prospectus Supplement

GMWB Charge

Rate Sheet Prospectus Supplement

1. This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit www.jackson.com/product-literature-11.html.

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add negative Contract Adjustments that substantially increase costs.

LOWEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

HIGHEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

Rate Sheet Prospectus Supplement

Assumes:

•Investment of $100,000

•5% annual appreciation

•No add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

Assumes:

•Investment of $100,000

•5% annual appreciation

•Most expensive add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

•0% Interim Value adjustment

RISKS

Location in Prospectus

Is There a Risk of Loss from Poor Performance?

Yes. You can lose money by investing in this Contract. The Contract currently offers 10% Floor, and 10%, 20%, and 100% Buffer Protection Options, which, depending on which option you select, could expose you to up to a 90% loss due to poor Index performance. Protection Option rates could change in the future. Available Floor and Buffer Protection Options will always be at least 5%.

Principal Risks

Is this a

Short-Term Investment?

No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in significant reductions to Contract Value, the Death Benefit, and Contract benefits (possibly by more than the amount withdrawn).

Market Value Adjustments apply for up to 6 years after your Contract has been issued. They may reduce the value of your Contract if you withdraw money during that time. Amounts withdrawn from your Contract may also be subject to taxes and tax penalties. Amounts removed from an Index Account Option before the end of the Index Account Option Term may also result in a negative Interim Value adjustment and loss of positive Index performance. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon.

Because Index Account Options are designed to mature at the end of the Index Account Option Term, we need to know by the end of the Index Account Option Term whether you intend to reallocate to a different Contract Option. If you do not provide timely allocation instructions by close of business on the Index Account Option Term Anniversary of an expiring Index Account Option Term as to how you would like your Index Account Option Value allocated for your next Index Account Option Term, we will generally (i) renew the Index Account Option into the same Index Account Option Term, if available; or (ii) if the same Crediting Method, Protection Option, or Index you elected is not available, we will reallocate the Index Account Option Value(s) to the Fixed Account.

Principal Risks

Contract Charges

Transfers and Reallocations

What Are the Risks Associated with the Investment Options?

An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Contract Options you choose. Each Contract Option (Index Account Options and Fixed Account Options) has its own unique risks. Withdrawals from an Index Account Option prior to the end of the Index Account Option Term are subject to an Interim Value adjustment. You should review the available Contract Options before making an investment decision.

The Cap Rate, Performance Trigger Rate, and Performance Boost Cap Rate, as applicable, will limit positive Index returns (e.g., limited upside). This may result in you earning less than the Index return. For example, assume the Index return is 15% at the end of the Index Account Option Term:

◦Under a Cap Crediting Method with a 10% Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term;

◦Under a Performance Trigger Crediting Method with a 10% Performance Trigger Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term; and

◦Under a Performance Boost Crediting Method with a 10% Performance Boost Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term.

The Floor or Buffer, as applicable, will limit negative Index returns (e.g., limited protection in the case of market decline). For example, assume an Index return of -25% at the end of the Index Account Option Term:

◦If the Buffer is -10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term; and

◦If the Floor is -10%, we will credit a -10% Index Adjustment at the end of the Index Account Option Term.

The Indexes available for election are price return indexes and not total return indexes, and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index return and will cause the Index to underperform a direct investment in the securities composing the Index.

Principal Risks

What Are the Risks Related to the Insurance Company?

An investment in the Contract is subject to the risks related to Jackson. Any obligations (including under any Fixed Account Options and Index Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request by visiting our website at www.jackson.com or by calling 1-800-644-4565.

Principal Risks

RESTRICTIONS

Location in Prospectus

Are There Restrictions on the Investment Options?

Yes.

Premium Payments.

•No Premium payments will be accepted after the Contract has been issued.

•The minimum Premium payment must be at least $25,000.

•The maximum Premium payment you may make without our prior approval is $1 million.

Transfers and Reallocations.

•Transfers and reallocations from the Index Account Options are only permitted on Index Account Option Term Anniversaries (which will fall on a Contract Anniversary), unless you exercise an Intra-Term Performance Lock.

•Transfers from the Fixed Account are only permitted on Contract Anniversaries.

Principal Risks

Transfers and Reallocations

Additional Information About the Index Account Options

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Are There Restrictions on the Investment Options? (continued from previous page)

•If you do not want to remain invested in the Fixed Account Option until the next Contract Anniversary, or in an Index Account Option until the end of the Index Account Option Term, your only options will be to take a total or partial withdrawal from the Fixed Account Option or Index Account Option, or exercise an Intra-Term Performance Lock from the Index Account Option. Intra-Term Performance Locks and withdrawals out of Index Account Options prior to the end of the Index Account Option Term will be based on the Interim Values of the Index Account Options, and all withdrawals may be subject to Market Value Adjustments, taxes, and tax penalties.

Investment Restrictions.

•Jackson reserves the right to place restrictions on which Contract Options you may select when you have elected the +Income GMWB or +Income GMWB with Joint Option. This includes restrictions to Index Account Option Crediting Methods, Protection Options, Indexes, and Term lengths. If any such restrictions are in place, they will be listed in Appendix A: Investment Options Available Under the Contract.

•The availability of investment options may vary depending on the broker-dealer or financial intermediary through which the Contract is sold. You should discuss with your financial professional any limitations or restrictions on investment options that apply through their broker-dealer.

Our Rights to Change Index Account Options and Indexes Offered Under the Contract.

•We reserve the right to delete or add Index Account Options, Indexes, Crediting Methods, Protection Options, and Index Account Option Terms in the future. There will always be more than one Index Account Option available, and those options will always be identical or similar to one of the options disclosed in this prospectus.

•We may replace an Index if it is discontinued or the Index is no longer available to us or if the Index's calculation changes substantially. Additionally, we may replace an Index if hedging instruments become difficult to acquire or the cost of hedging related to such Index becomes excessive. We may do so at the end of an Index Account Option Term or during an Index Account Option Term.

•We may change the Crediting Method Rates and Protection Option rates of the Index Account Options available under the Contract, subject to the stated guaranteed minimum or maximum rates. Crediting Method and Protection Option rates will not change during an Index Account Option Term.

•There is no guarantee that a particular Index Account Option will be available during the entire time that you own your Contract. We guarantee that at least two Index Account Options will always be available, and that those options will be identical or similar to those outlined in this prospectus.

•If in the future you are not satisfied with the available Index Account Options, you may choose to withdraw your Index Account Option Value or take a total withdrawal from the Contract, but you may be subject to Market Value Adjustments, taxes, and tax penalties, and an Interim Value adjustment if the withdrawal is made before the end of an Index Account Option Term.

◦Certain Index Account Options and Indexes may not be available through your financial professional. You may obtain information about the Index Account Options and Indexes that are available to you by contacting your financial professional.

Appendix H: Financial Intermediary Variations

Are There any Restrictions on Contract Benefits?

Yes.

+Income GMWB and +Income GMWB with Joint Option.

•Under the +Income GMWB or +Income GMWB with Joint Option, withdrawals that exceed the Guaranteed Withdrawal amount ("Excess Withdrawals") may reduce the value of the benefit by more than the dollar amount of the withdrawal.

•We reserve the right to place restrictions on which Contract Options you may select when you have elected the +Income GMWB or +Income GMWB with Joint Option. This includes restrictions to Index Account Option Crediting Methods, Protection Options, Indexes, and Term lengths. If any such restrictions are in place, they will be listed in Appendix A: Investment Options Available Under the Contract.

•Any withdrawals taken from the Index Account Options under the +Income GMWB or +Income GMWB with Joint Option add-on benefits will be based on Interim Value(s), which may result in loss.

•Compliant withdrawals under the +Income GMWB or +Income GMWB with Joint Option add-on benefits will not be subject to Market Value Adjustments, however Excess Withdrawals may be subject to Market Value Adjustments.

•All withdrawals may be subject to taxes. All withdrawals taken before the age of 59½ may be subject to tax penalties.

•+Income GMWB and +Income GMWB with Joint Option may not be available through all broker-dealers and may vary by state or date of purchase.

•We may modify or discontinue any add-on benefit at any time.

Intra-Term Performance Lock.

•Intra-Term Performance Locks will be based upon Interim Value calculated at the end of the Business Day after we receive your request. This means you will not be able to determine in advance your "locked in" Index Account Option Value, and it may be higher or lower than it was on the Business Day we received your Intra-Term Performance Lock request.

•An Intra-Term Performance Lock ends the Index Account Option Term for the Index Account Option out of which it is transferred, effectively terminating that Index Account Option. Once an Intra-Term Performance Lock has been processed, it is irrevocable.

Financial Intermediary Variations.

•The availability of Contract benefits may vary depending on the broker-dealer or financial intermediary through which the Contract is sold. You should discuss with your financial professional any limitations or restrictions on Contract benefits that apply through their broker-dealer.

Advisory Fees.

•If you make a withdrawal to pay third-party advisory fees without setting up direct deductions under our administrative rules, or after electing either the +Income GMWB or +Income GMWB with Joint Option, your withdrawal will be treated as a standard partial withdrawal under the Contract. This means, in addition to your Contract Value and basic Death Benefit being reduced, the withdrawal will be subject to Market Value Adjustments any applicable taxes and tax penalties. It is important to note that deductions to pay advisory fees, even when taken pursuant to our administrative rules, will always reduce your Contract Value and the Contract Value portion of your basic Death Benefit, and they are otherwise subject to all contractual provisions and other restrictions and penalties, including Interim Value adjustments and minimum withdrawal requirements.

Benefits Available Under the Contracts

Access to Your Money - Our Administrative Rules

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Transfers and Reallocations - Intra-Term Performance Lock

Appendix A: Investment Options Available Under the Contract

Appendix H: Financial Intermediary Variations

TAXES

Location in Prospectus

What Are the Contract's Tax Implications?

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.

•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit.

•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

Taxes

CONFLICTS OF INTEREST

Location in Prospectus

How Are Investment

Professionals

Compensated?

Your financial professional may receive compensation for selling this Contract to you in the form of advisory fees, revenue sharing, and other compensation programs. Accordingly, investment professionals may have a financial incentive to offer or recommend this Contract over another investment.

Distribution of Contracts

Should I Exchange My Contract?

Some financial professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable to purchase the new contract rather than continue to own your existing Contract.

Non-Qualified Contracts - 1035 Exchanges

Charges for Early Withdrawals [Text Block]

Surrender Charge Phaseout Period, Years | year

Surrender Charge (of Amount Surrendered) Maximum [Percent]

100.00%

Surrender Charge Example Maximum [Dollars]

$ 100,000

Key Information, Contract Adjustments if Amounts are Removed [Text Block]

Key Information, Maximum Loss Resulting from Negative Adjustment [Percent]

100.00%

Key Information, Example of Maximum Loss Resulting from Negative Adjustment [Text Block]

For example, if you allocate $100,000 to a 3-year Index Account Option and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment.

Key Information, Example of Maximum Loss on One Hundred Thousand Dollars Resulting from Negative Adjustment

$ 100,000

Transaction Charges [Text Block]

Key Information, Transactions Subject to Contract Adjustment [Text Block]

Ongoing Fees and Expenses [Table Text Block]

FEES, EXPENSES, AND ADJUSTMENTS

Location in Prospectus

Are There Charges or Adjustments for Early Withdrawals?

Charges and Adjustments

Are There Transaction Charges?

Charges and Adjustments- Transaction Expenses

Are There Ongoing Fees and Expenses?

Contract Options - Index Account

Additional Information About the Index Account Options - Crediting Methods

ANNUAL FEE

MINIMUM

MAXIMUM

1. Base Contract

2. Optional benefits available for an additional charge1

See current Rate Sheet Prospectus Supplement

GMWB Charge

Rate Sheet Prospectus Supplement

LOWEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

HIGHEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

Rate Sheet Prospectus Supplement

Assumes:

•Investment of $100,000

•5% annual appreciation

•No add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

Assumes:

•Investment of $100,000

•5% annual appreciation

•Most expensive add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

•0% Interim Value adjustment

RISKS

Location in Prospectus

Is There a Risk of Loss from Poor Performance?

Principal Risks

Is this a

Short-Term Investment?

Principal Risks

Contract Charges

Transfers and Reallocations

What Are the Risks Associated with the Investment Options?

◦Under a Cap Crediting Method with a 10% Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term;

◦Under a Performance Trigger Crediting Method with a 10% Performance Trigger Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term; and

◦Under a Performance Boost Crediting Method with a 10% Performance Boost Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term.

◦If the Buffer is -10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term; and

◦If the Floor is -10%, we will credit a -10% Index Adjustment at the end of the Index Account Option Term.

Principal Risks

What Are the Risks Related to the Insurance Company?

Principal Risks

RESTRICTIONS

Location in Prospectus

Are There Restrictions on the Investment Options?

Yes.

Premium Payments.

•No Premium payments will be accepted after the Contract has been issued.

•The minimum Premium payment must be at least $25,000.

•The maximum Premium payment you may make without our prior approval is $1 million.

Transfers and Reallocations.

•Transfers from the Fixed Account are only permitted on Contract Anniversaries.

Principal Risks

Transfers and Reallocations

Additional Information About the Index Account Options

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Are There Restrictions on the Investment Options? (continued from previous page)

Investment Restrictions.

Our Rights to Change Index Account Options and Indexes Offered Under the Contract.

Appendix H: Financial Intermediary Variations

Are There any Restrictions on Contract Benefits?

Yes.

+Income GMWB and +Income GMWB with Joint Option.

•Any withdrawals taken from the Index Account Options under the +Income GMWB or +Income GMWB with Joint Option add-on benefits will be based on Interim Value(s), which may result in loss.

•All withdrawals may be subject to taxes. All withdrawals taken before the age of 59½ may be subject to tax penalties.

•+Income GMWB and +Income GMWB with Joint Option may not be available through all broker-dealers and may vary by state or date of purchase.

•We may modify or discontinue any add-on benefit at any time.

Intra-Term Performance Lock.

Financial Intermediary Variations.

Advisory Fees.

Benefits Available Under the Contracts

Access to Your Money - Our Administrative Rules

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Transfers and Reallocations - Intra-Term Performance Lock

Appendix A: Investment Options Available Under the Contract

Appendix H: Financial Intermediary Variations

TAXES

Location in Prospectus

What Are the Contract's Tax Implications?

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.

•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit.

•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

Taxes

CONFLICTS OF INTEREST

Location in Prospectus

How Are Investment

Professionals

Compensated?

Distribution of Contracts

Should I Exchange My Contract?

Non-Qualified Contracts - 1035 Exchanges

Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent]

0.00%

Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent]

0.00%

Optional Benefits Footnotes [Text Block]

Index-Linked Option, Implicit Ongoing Fees [Text Block]

Index-Linked Option, Implicit Ongoing Fees Return may be Lower than the Index Return [Text Block]

This means that your returns may be lower than your elected Index's returns.

Index-Linked Option, Implicit Ongoing Fees Provide Some Protection from Index Losses [Text Block]

In return for accepting this limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.

Lowest and Highest Annual Cost [Table Text Block]

FEES, EXPENSES, AND ADJUSTMENTS

Location in Prospectus

Are There Charges or Adjustments for Early Withdrawals?

Charges and Adjustments

Are There Transaction Charges?

Charges and Adjustments- Transaction Expenses

Are There Ongoing Fees and Expenses?

Contract Options - Index Account

Additional Information About the Index Account Options - Crediting Methods

ANNUAL FEE

MINIMUM

MAXIMUM

1. Base Contract

2. Optional benefits available for an additional charge1

See current Rate Sheet Prospectus Supplement

GMWB Charge

Rate Sheet Prospectus Supplement

LOWEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

HIGHEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

Rate Sheet Prospectus Supplement

Assumes:

•Investment of $100,000

•5% annual appreciation

•No add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

Assumes:

•Investment of $100,000

•5% annual appreciation

•Most expensive add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

•0% Interim Value adjustment

RISKS

Location in Prospectus

Is There a Risk of Loss from Poor Performance?

Principal Risks

Is this a

Short-Term Investment?

Principal Risks

Contract Charges

Transfers and Reallocations

What Are the Risks Associated with the Investment Options?

◦Under a Cap Crediting Method with a 10% Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term;

◦Under a Performance Trigger Crediting Method with a 10% Performance Trigger Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term; and

◦Under a Performance Boost Crediting Method with a 10% Performance Boost Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term.

◦If the Buffer is -10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term; and

◦If the Floor is -10%, we will credit a -10% Index Adjustment at the end of the Index Account Option Term.

Principal Risks

What Are the Risks Related to the Insurance Company?

Principal Risks

RESTRICTIONS

Location in Prospectus

Are There Restrictions on the Investment Options?

Yes.

Premium Payments.

•No Premium payments will be accepted after the Contract has been issued.

•The minimum Premium payment must be at least $25,000.

•The maximum Premium payment you may make without our prior approval is $1 million.

Transfers and Reallocations.

•Transfers from the Fixed Account are only permitted on Contract Anniversaries.

Principal Risks

Transfers and Reallocations

Additional Information About the Index Account Options

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Are There Restrictions on the Investment Options? (continued from previous page)

Investment Restrictions.

Our Rights to Change Index Account Options and Indexes Offered Under the Contract.

Appendix H: Financial Intermediary Variations

Are There any Restrictions on Contract Benefits?

Yes.

+Income GMWB and +Income GMWB with Joint Option.

•Any withdrawals taken from the Index Account Options under the +Income GMWB or +Income GMWB with Joint Option add-on benefits will be based on Interim Value(s), which may result in loss.

•All withdrawals may be subject to taxes. All withdrawals taken before the age of 59½ may be subject to tax penalties.

•+Income GMWB and +Income GMWB with Joint Option may not be available through all broker-dealers and may vary by state or date of purchase.

•We may modify or discontinue any add-on benefit at any time.

Intra-Term Performance Lock.

Financial Intermediary Variations.

Advisory Fees.

Benefits Available Under the Contracts

Access to Your Money - Our Administrative Rules

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Transfers and Reallocations - Intra-Term Performance Lock

Appendix A: Investment Options Available Under the Contract

Appendix H: Financial Intermediary Variations

TAXES

Location in Prospectus

What Are the Contract's Tax Implications?

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.

•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit.

•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

Taxes

CONFLICTS OF INTEREST

Location in Prospectus

How Are Investment

Professionals

Compensated?

Distribution of Contracts

Should I Exchange My Contract?

Non-Qualified Contracts - 1035 Exchanges

Lowest Annual Cost Footnotes [Text Block]

Assumes:

•Investment of $100,000

•5% annual appreciation

•No add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

Highest Annual Cost Footnotes [Text Block]

Assumes:

•Investment of $100,000

•5% annual appreciation

•Most expensive add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

•0% Interim Value adjustment

Risks [Table Text Block]

FEES, EXPENSES, AND ADJUSTMENTS

Location in Prospectus

Are There Charges or Adjustments for Early Withdrawals?

Charges and Adjustments

Are There Transaction Charges?

Charges and Adjustments- Transaction Expenses

Are There Ongoing Fees and Expenses?

Contract Options - Index Account

Additional Information About the Index Account Options - Crediting Methods

ANNUAL FEE

MINIMUM

MAXIMUM

1. Base Contract

2. Optional benefits available for an additional charge1

See current Rate Sheet Prospectus Supplement

GMWB Charge

Rate Sheet Prospectus Supplement

LOWEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

HIGHEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement

Rate Sheet Prospectus Supplement

Assumes:

•Investment of $100,000

•5% annual appreciation

•No add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

Assumes:

•Investment of $100,000

•5% annual appreciation

•Most expensive add-on benefits

•No sales charges or advisory fees

•No transfers or withdrawals

•0% Interim Value adjustment

RISKS

Location in Prospectus

Is There a Risk of Loss from Poor Performance?

Principal Risks

Is this a

Short-Term Investment?

Principal Risks

Contract Charges

Transfers and Reallocations

What Are the Risks Associated with the Investment Options?

◦Under a Cap Crediting Method with a 10% Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term;

◦Under a Performance Trigger Crediting Method with a 10% Performance Trigger Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term; and

◦Under a Performance Boost Crediting Method with a 10% Performance Boost Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term.

◦If the Buffer is -10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term; and

◦If the Floor is -10%, we will credit a -10% Index Adjustment at the end of the Index Account Option Term.

Principal Risks

What Are the Risks Related to the Insurance Company?

Principal Risks

RESTRICTIONS

Location in Prospectus

Are There Restrictions on the Investment Options?

Yes.

Premium Payments.

•No Premium payments will be accepted after the Contract has been issued.

•The minimum Premium payment must be at least $25,000.

•The maximum Premium payment you may make without our prior approval is $1 million.

Transfers and Reallocations.

•Transfers from the Fixed Account are only permitted on Contract Anniversaries.

Principal Risks

Transfers and Reallocations

Additional Information About the Index Account Options

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Are There Restrictions on the Investment Options? (continued from previous page)

Investment Restrictions.

Our Rights to Change Index Account Options and Indexes Offered Under the Contract.

Appendix H: Financial Intermediary Variations

Are There any Restrictions on Contract Benefits?

Yes.

+Income GMWB and +Income GMWB with Joint Option.

•Any withdrawals taken from the Index Account Options under the +Income GMWB or +Income GMWB with Joint Option add-on benefits will be based on Interim Value(s), which may result in loss.

•All withdrawals may be subject to taxes. All withdrawals taken before the age of 59½ may be subject to tax penalties.

•+Income GMWB and +Income GMWB with Joint Option may not be available through all broker-dealers and may vary by state or date of purchase.

•We may modify or discontinue any add-on benefit at any time.

Intra-Term Performance Lock.

Financial Intermediary Variations.

Advisory Fees.

Benefits Available Under the Contracts

Access to Your Money - Our Administrative Rules

Access to Your Money - +Income GMWB and +Income GMWB with Joint Option

Transfers and Reallocations - Intra-Term Performance Lock

Appendix A: Investment Options Available Under the Contract

Appendix H: Financial Intermediary Variations

TAXES

Location in Prospectus

What Are the Contract's Tax Implications?

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.

•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit.

•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

Taxes

CONFLICTS OF INTEREST

Location in Prospectus

How Are Investment

Professionals

Compensated?

Distribution of Contracts

Should I Exchange My Contract?

Non-Qualified Contracts - 1035 Exchanges

Index-Linked Option Key Information, Maximum Loss Resulting from Negative Index Performance, Risk [Percent]

90.00%

Index-Linked Option Key Information, Minimum Limit on Index Losses, Risk [Percent]

5.00%

Key Information, Contract Adjustment Risk [Text Block]

Key Information, Reallocation Risk [Text Block]

Key Information, Default Reallocation Risk [Text Block]

If you do not provide timely allocation instructions by close of business on the Index Account Option Term Anniversary of an expiring Index Account Option Term as to how you would like your Index Account Option Value allocated for your next Index Account Option Term, we will generally (i) renew the Index Account Option into the same Index Account Option Term, if available; or (ii) if the same Crediting Method, Protection Option, or Index you elected is not available, we will reallocate the Index Account Option Value(s) to the Fixed Account.

Index-Linked Option Key Information, Limits Positive Index Returns, Risk [Text Block]

The Cap Rate, Performance Trigger Rate, and Performance Boost Cap Rate, as applicable, will limit positive Index returns (e.g., limited upside).

Index-Linked Option Key Information, Limits Positive Index Returns Example, Risk [Text Block]

For example, assume the Index return is 15% at the end of the Index Account Option Term:Under a Cap Crediting Method with a 10% Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term;Under a Performance Trigger Crediting Method with a 10% Performance Trigger Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term; andUnder a Performance Boost Crediting Method with a 10% Performance Boost Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term.

Index-Linked Option Key Information, Limits Investor Earnings, Risk [Text Block]

This may result in you earning less than the Index return.

Index-Linked Option Key Information, Limits the Negative Return Risk [Text Block]

The Floor or Buffer, as applicable, will limit negative Index returns (e.g., limited protection in the case of market decline).

Index-Linked Option Key Information, Example of Limiting the Negative Return Risk [Text Block]

For example, assume an Index return of -25% at the end of the Index Account Option Term:If the Buffer is -10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term; andIf the Floor is -10%, we will credit a -10% Index Adjustment at the end of the Index Account Option Term.

Index-Linked Option Key Information, Price Return Index, Risk [Text Block]

The Indexes available for election are price return indexes and not total return indexes, and therefore do not reflect dividends paid on the securities composing the Index.

Index-Linked Option Key Information, Price Return Index Underperforms Direct Investments, Risk [Text Block]

This will reduce the Index return and will cause the Index to underperform a direct investment in the securities composing the Index.

Investment Restrictions [Text Block]

Yes.

Premium Payments.

•No Premium payments will be accepted after the Contract has been issued.

•The minimum Premium payment must be at least $25,000.

•The maximum Premium payment you may make without our prior approval is $1 million.

Transfers and Reallocations.

•Transfers from the Fixed Account are only permitted on Contract Anniversaries.

Investment Restrictions.

Our Rights to Change Index Account Options and Indexes Offered Under the Contract.

Key Information, Benefit Restrictions [Text Block]

Yes.

+Income GMWB and +Income GMWB with Joint Option.

•Any withdrawals taken from the Index Account Options under the +Income GMWB or +Income GMWB with Joint Option add-on benefits will be based on Interim Value(s), which may result in loss.

•All withdrawals may be subject to taxes. All withdrawals taken before the age of 59½ may be subject to tax penalties.

•+Income GMWB and +Income GMWB with Joint Option may not be available through all broker-dealers and may vary by state or date of purchase.

•We may modify or discontinue any add-on benefit at any time.

Intra-Term Performance Lock.

Financial Intermediary Variations.

Advisory Fees.

Tax Implications [Text Block]

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.

•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit.

•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

Investment Professional Compensation [Text Block]

Exchanges [Text Block]

Item 4. Fee Table [Line Items]

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 Index Account Option or from the Contract. The tables do not reflect any advisory fees paid to third-party financial professionals from your Contract Value or other assets you may hold, and if such advisory fees were reflected, the fees and expenses would be higher. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you purchase the Contract, take withdrawals from an Index Account Option or from the Contract, or transfer Contract Value between Contract Options. State premium taxes may also be deducted.

Transaction Expenses


Premium Taxes (Percentage of 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, 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

Interim Value Adjustment Maximum Potential Loss1 (as a percentage of Contract Value allocated to an Index Account Option)

100%

Market Value Adjustment Maximum Potential Loss2 (as a percentage of Remaining Premium)

100%

1.An Interim Value adjustment will apply to your Index Account Option Value upon removal of Contract Value from an Index Account Option prior to the end of the Index Account Option Term or exercise of an Intra-Term Performance Lock. The Interim Value adjustment will apply upon partial or total withdrawals from the Contract (including withdrawals of the GAWA under the +Income GMWB or +Income GMWB with Joint Option), automatic withdrawals, required minimum distributions ("RMD"), deductions of the GMWB Charge, direct deductions of advisory fees pursuant to our administrative rules, amounts applied to an income option upon annuitization, and payment of the Contract Value element of the Death Benefit. For more information, please see "Interim Value Calculation and Adjustment" beginning on page 47.

2.A Market Value Adjustment may apply to amounts withdrawn or annuitized from the Contract during the first six Contract Years. For more information, please see "Market Value Adjustment" beginning on page 48.

The next table describes the fees and expenses that you will pay each year during the time that you own the Contract. If you choose to purchase an add-on benefit, you will pay additional charges, as shown below.

Annual Contract Expenses


Annual Contract Expenses			Maximum Charge
Administrative Charge			None
Base Contract Charge			None
Optional Benefit Charges (as a % of benefit base)1
+Income GMWB			3.0%
+Income GMWB with Joint Option			3.0%

1. The charges for the optional benefits are calculated based on the applicable percentage of the Guaranteed Withdrawal Balance ("GWB").

In addition to the fees described above, we limit the amount you can earn on the Index Account Options. This means your returns may be lower than the Index's returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses.

Transaction Expenses [Table Text Block]

Transaction Expenses


Premium Taxes (Percentage of 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, Maximum [Dollars]

$ 25

Transfer Fee, 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, international wire fees are $25.

Other Transaction Fee, Maximum [Dollars]

$ 38

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.

Contract Adjustments, Fee Table [Table Text Block]

Adjustments

Maximum Adjustment

Interim Value Adjustment Maximum Potential Loss1 (as a percentage of Contract Value allocated to an Index Account Option)

100%

Market Value Adjustment Maximum Potential Loss2 (as a percentage of Remaining Premium)

100%

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

10000.00%

Contract Adjustment, Maximum Potential Loss Over Amount Withdrawn [Percent]

10000.00%

Annual Contract Expenses [Table Text Block]

Annual Contract Expenses


Annual Contract Expenses			Maximum Charge
Administrative Charge			None
Base Contract Charge			None
Optional Benefit Charges (as a % of benefit base)1
+Income GMWB			3.0%
+Income GMWB with Joint Option			3.0%

1. The charges for the optional benefits are calculated based on the applicable percentage of the Guaranteed Withdrawal Balance ("GWB").

Administrative Expense, Maximum [Dollars]

$ 0

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

0.00%

Optional Benefit Expense, Footnotes [Text Block]

The charges for the optional benefits are calculated based on the applicable percentage of the Guaranteed Withdrawal Balance ("GWB").

Item 5. Principal Risks [Line Items]

Item 5. Principal Risks [Table Text Block]

PRINCIPAL RISKS

The purchase of the Contract and the features you elect involve certain risks. You should carefully consider the following factors, in addition to considerations listed elsewhere in this prospectus, prior to purchasing the Contract.

Risk of Loss. An investment in an index-linked annuity is subject to the risk of loss. You may lose money, including the loss of principal.

Liquidity and Early Withdrawal Risk. We designed the Contract to be a long-term investment that you may use to help save for retirement. The Contract is unsuitable as a short-term savings vehicle. If you take withdrawals from your Contract during the first six Contract Years, Market Value Adjustments ("MVA") may apply. In addition, each time you take a withdrawal prior to the end of the Index Account Option term, including direct deductions to pay advisory fees pursuant to our administrative rules, we will recalculate your Index Account Option Value, based on an Interim Value adjustment, which could be zero, positive or negative. In doing so, we use an Interim Value calculation based on the value of a hypothetical portfolio of financial instruments designed to replicate the value of the Index Account Option if it were held to the end of the Index Account Option Term. If the Interim Value is less than the Index Option Crediting Base, your Index Account Option Value will be decreased proportionally, potentially by more than the amount of the withdrawal; in other words, on more than a dollar for dollar basis. Any negative adjustment could be significant, up to 100% of Contract Value allocated to the Index Account Option, and impact the amount of Contract Value available for future withdrawals. In addition, amounts withdrawn from this Contract may also be subject to taxes and a 10% additional federal tax penalty if taken before age 59½. If you plan on taking withdrawals that will be subject to an MVA and/or taking withdrawals before age 59½, this Contract may not be appropriate for you.

Limitations on Transfers. You can transfer Contract Value among the Index Account Options and the Fixed Account only at designated times (on the Index Account Option Term Anniversary for amounts invested in Index Account Options, and Contract Anniversaries for amounts invested in the Fixed Account). You cannot transfer out of a current Index Account Option to another Index Account Option (or to the Fixed Account) until the Index Account Option Term Anniversary (unless you are executing an Intra-Term Performance Lock) and you cannot transfer out of the Fixed Account to an Index Account Option until the Contract Anniversary. In all cases, the amount transferred can only be transferred to a new Index Account Option or Fixed Account. This may limit your ability to react to market conditions. You should consider whether the inability to reallocate Contract Value during the elected investment terms is consistent with your financial needs and risk tolerance. For more information about transfers, please see the section titled "Transfers and Reallocations" on page 50.

Reallocations. You should understand that a new Cap Rate, Index Participation Rate (applicable only with the Cap Crediting Method), Performance Trigger Rate, Performance Boost Cap Rate (applicable only with the Performance Boost Rate Crediting Method), or Performance Boost Rate will go into effect on the Index Account Option Term Anniversary for all new Index Account Option Terms. Such rates could be lower, higher, or equal to your current Crediting Method percentage rate. We post all rates online at Jackson.com/RatesJMLPA3. The rates for Contract Value reallocations at the end of an Index Account Option Term are posted at least 30 days before the end of any Index Account Option Term. At least 30 days prior to any Index Account Option Term Anniversary, we will send you written notice reminding you of how you may obtain the rates for the next Index Account Option Term. You may provide reallocation instructions in writing using our Reallocation Form or a Letter of Instruction, or over the phone if you have authorized telephone transactions. If you do not provide timely allocation instructions by close of business on the Index Account Option Term Anniversary of an expiring Index Account Option Term as to how you would like your Index Account Option Value allocated for your next Index Account Option Term, we will generally (i) renew the Index Account Option into the same Index Account Option Term, if available; or (ii) if the same Crediting Method, Protection Option, or Index you elected is not available, we will reallocate the Index Account Option Value(s) to the Fixed Account. See "Automatic Reallocations" beginning on page 51. Such reallocation instructions must be sent to us in written form acceptable to the Company, or via telephone if you have authorized telephone transactions on your account. For more information on how rates are set and communicated, please see the subsection titled "Crediting Methods" under "Additional Information About the Index Account Options" beginning on page 30. This will occur even if the Fixed Account and/or specific Index Account Option is no longer appropriate for your investment goals. For more information about transfers, please see the section titled "Transfers and Reallocations" on page 50.

Market Risk. There is a risk of substantial loss of Contract Value (except for amounts allocated to the Fixed Account) due to any negative Index Return that exceeds the Buffer or is within the Floor amount. You could lose up to 90% of Contract Value allocated to Index Account Options over the course of your Index Account Option Term due to negative Index Return after taking into account the current limits on Index loss provided under the Contract. Available Floor and Buffer Protection Options will always be at least 5%. If any negative Index Return exceeds the Buffer or is within the Floor you have elected at the end of the Index Account Option Term, you will realize the amount of loss associated with your elected Protection Option. Buffers and Floors are not cumulative, and their protection does not extend beyond the length of any given Index Account Option Term. If you keep amounts allocated to an Index Account Option over multiple Index Account Option Terms in which negative Index Adjustments are made, the total combined loss of Index Account Option Value over those multiple Index Account Option Terms may exceed the stated limit of any applicable Protection Option for a single Index Account Option Term. In addition, if any amounts are removed from an Index Account Option prior to the end of the Index Account Option Term, we will apply an Interim Value adjustment, which, in extreme circumstances, could result in the loss of Contract Value allocated to the Index Account Option as high as 100%.

No Ownership of Underlying Securities. You have no ownership rights in the securities that comprise an Index. Purchasing the Contract is not equivalent to purchasing shares in a mutual fund that invests in securities comprising the Indexes nor is it equivalent to directly investing in such securities. You will not have any ownership interest or rights in the securities, such as voting rights, or the right to receive dividend payments, or other distributions. Index returns would be higher if they included the dividends from the component securities.

Tracking Index Performance. When you allocate money to an Index Account Option, the value of your investment depends in part on the performance of the applicable Index. The performance of an Index is based on changes in the values of the securities or other investments that comprise or define the Index. The securities comprising or defining the Indexes are subject to a variety of investment risks, many of which are complicated and interrelated. These risks may affect capital markets generally, specific market segments, or specific issuers. The performance of the Indexes may fluctuate, sometimes rapidly and unpredictably. Negative Index Return may cause you to realize investment losses. The historical performance of an Index or an Index Account Option does not guarantee future results. It is impossible to predict whether an Index will perform positively or negatively over the course of a term.

While you will not directly invest in an Index, if you choose to allocate amounts to an Index Account Option, you are indirectly exposed to the investment risks associated with the applicable Index as the Contract performance tracks the Index Return and then your elected Crediting Methods and Protection Options are applied based on that performance. Each Index's performance is subject to market risk, equity risk, and issuer risk (in addition to other risks identified in this section):

•Market Risk. Each Index could decrease in value over short periods due to short-term market movements and over longer periods during more prolonged market downturns. Negative fluctuations in the value of an Index may be significant and unpredictable.

•Equity Risk. Each Index is comprised of equity securities. Equity securities are subject to changes in value, and their values may be more volatile than those of other asset classes. Equity securities may underperform in comparison to the general financial markets, a particular financial market, or other asset classes.

•Issuer Risk. The performance of each Index depends on the performance of individual securities included in the Index. Changes in the financial condition, credit rating, or public perception of an issuer of those securities may cause the value of the issuer's securities to decline.

In recent years, the financial markets have at times experienced periods of significant volatility and negative returns, contributing to an uncertain and evolving economic environment. The performance of the markets has been impacted by several interrelating factors such as, but not limited to, natural disasters, public health crises, inflation, political and social developments, and military and governmental actions. You should consult with your financial professional about how market conditions may impact your investment decisions under the Contract.

We calculate an Index Return by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat for the Index Account Option Term as a whole (including a multi-year Index Account Option Term) even if the Index performed positively for certain periods of time during the Index Account Option Term.

An investment in an Index Account Option is not an investment in the companies that comprise the applicable Index. You will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that make up the Indexes. Each Index is a “price return index,” not “total return index,” meaning the Index Return

does not include any dividends or other distributions declared by the companies included in the Index. This will reduce the Index Return and will cause the Index to underperform a direct investment in the companies included in the Index.

In addition to the foregoing, each Index has its own unique risks, as follows:

•S&P 500 Index: The S&P 500 Index is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies.

•Russell 2000 Index: The Russell 2000 Index is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies. Small-capitalization companies are more likely to fail than larger companies.

•MSCI EAFE Index: The MSCI EAFE Index is comprised of equity securities of large- and mid-capitalization companies and it is designed to measure the equity market performance of developed markets, including countries in Europe, Australasia, and the Far East. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies, and the securities of mid-capitalization companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty). This index is calculated in USD and local currency only. The exchange rates used for all currencies for all MSCI equity indexes are taken from Reuters at 4pm GMT each day.

•MSCI Emerging Markets Index: The MSCI Emerging Markets Index is comprised of equity securities of large- and mid-capitalization companies in emerging markets. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies, and the securities of larger companies. Mid-capitalization companies are more likely to fail than larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty). Those risks are typically more acute when issuers are located or operating in emerging markets. Emerging markets may be more likely to experience inflation, political turmoil, and rapid changes in economic conditions than developed markets. Emerging markets often have less uniformity in accounting and reporting requirements, less reliable valuations, and greater risk associated with custody of securities than developed markets. This index is calculated in USD and local currency only. The exchange rates used for all currencies for all MSCI equity indexes are taken from Reuters at 4pm GMT each day.

•Nasdaq-100 Index: The Nasdaq-100 is comprised of 100 of the largest domestic and international non-financial securities listed on the Nasdaq Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies. To the extent that the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. Also, any securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).

Limits on Investment Return.

•Cap Rate. If you elect a Cap Crediting Method, the highest possible return that you may achieve on your investment is equal to the Cap Rate, or "Cap". The Cap therefore limits the positive Index Adjustment, if any, that may be credited to your Contract for a given Index Account Option Term. The Caps do not guarantee a certain amount of minimum Index Adjustment credited. Any Index Adjustment based on a Cap Crediting Method may be less than the positive return of the Index. This is because any positive return of the Index that we credit to your Index Account Option Value is subject to a maximum in the form of a Cap, even when the positive Index Return is greater.

•Performance Trigger Rate. If you elect a Performance Trigger Crediting Method, the highest possible return that you may achieve is equal to the Performance Trigger Rate. The Performance Trigger Rate therefore limits the positive

Index Adjustment, if any, that may be credited to your Contract for a given Index Account Option Term. The Performance Trigger Rates do not guarantee a minimum Index Adjustment amount. Any Index Adjustment credited for a Performance Trigger Crediting Method may be less than the positive return of the Index. This is because any positive return of the Index that we credit to your Index Account Option Value is always equal to the Performance Trigger Rate, even when the positive Index Return is greater.

•Performance Boost Cap Rate (applicable only with the Performance Boost Crediting Method). If you elect a Performance Boost Crediting method, the highest possible return that you may achieve is equal to the Performance Boost Cap Rate. The Performance Boost Cap Rate therefore limits the positive Index Adjustment, if any, that may be credited to your Contract for a given Index Account Option Term. The Performance Boost Cap Rates do not guarantee a minimum Index Adjustment amount. Any Index Adjustment credited for a Performance Boost Crediting Method may be less than the positive return of the Index. This is because any positive return of the Index that we credit to your Index Account Option Value is subject to a maximum in the form of a Performance Boost Cap Rate, even when the positive Index Return is greater. In addition, if the Index Return is negative and equal to or in excess of the elected Buffer, you will not get the benefit of the Performance Boost Rate to increase the value of your Index Adjustment. The Performance Boost Cap Rate is not a stand-alone Crediting method. It is applicable only if you elect the Performance Boost Rate Crediting Method.

Cap, Performance Trigger, and Performance Boost Cap Rates are not annual rates. For Index Account Option Terms that are longer than one year, the rates would be lower on an annual basis.

New rates go into effect at the start of each new Index Account Option Term. Such rates could be lower, higher, or equal to the current rate. If a new rate is unacceptable to you, you will have to reallocate your Contract Value to a different Index Account Option or to the Fixed Account. There is a risk that these other investment options will also not be satisfactory to you.

We reserve the right to remove Crediting Methods in the future, so there may not always be a Cap, Performance Trigger, or Performance Boost Crediting Method available to you for election on subsequent Index Account Option Terms. However, there will always be at least one Crediting Method available to you for election. When available, the following guaranteed minimum rates will apply:


Guaranteed Minimum Rates (When Offered)
Rate	Index Account Option Term Length
	1-Year	3-Year	6-Year
Cap Rate	1.0%	1.5%	2.0%
Index Participation Rate	100%	100%	100%
Performance Trigger Rate	1.0%	1.0%	1.0%
Performance Boost Rate	5.0%	5.0%	5.0%
Performance Boost Cap Rate	1.0%	1.5%	2.0%

Buffers and Floors. If you allocate money to an Index Account Option, Index fluctuations may cause an Index Adjustment to be negative at the end of the Index Account Option Term despite the application of the Buffer or Floor Protection Option that you elect.

•If you elect a Floor, a negative Index Return will always result in a negative Index Adjustment up to the Floor but not in excess of the Floor.

•If you elect a Buffer, a negative Index Return will result in a negative Index Adjustment if the negative Index Return exceeds the Buffer.

In choosing between a Buffer and a Floor, you should consider that the maximum amount of principal you can lose with a Buffer is greater than the maximum amount of principal you can lose with a Floor. Conversely, because of the greater downside risk you assume with a Buffer Protection Option, they tend to offer greater opportunities for upside growth (for example, higher Cap rates may be available with Buffer Protection Options).

If we credit your Contract with a negative Index Adjustment, your Index Account Option Value will be reduced. Buffers and Floors are not cumulative, and their protection does not extend beyond the length of any given Index Account Option Term.

Any portion of your Contract Value allocated to an Index Account Option will benefit from the protection of either the Buffer or Floor for that Index Account Option Term only. A new Buffer or Floor will be applied to subsequent Index Account Option Terms, subject to availability. You assume the risk that you will incur a loss and that the amount of the loss could be as much as 90% of Contract Value after taking into account the current limits on Index loss provided under the Contract. You also bear the risk that sustained negative Index Return may result in a zero or negative Index Adjustment being credited to your Index Account Option Value over multiple Index Account Option Terms.

We reserve the right to remove Protection Options in the future, so there may not always be both a Buffer and Floor Protection Option available to you for election on subsequent Index Account Option Terms. However, there will always be at least one Protection Option available to you for election. Available Buffer and Floor Protection Options will always be at least 5%.

If an Index Account Option Value is credited with a negative Index Adjustment for multiple Index Account Option Terms, the total combined loss of Index Account Option Value over those multiple Index Account Option Terms may exceed the stated limit of any applicable Buffer or Floor for a single Index Account Option Term.

Buffers and Floors are not annual rates. For Index Account Option Terms that are longer than one year, the rates would be lower on an annual basis.

Interim Value Risk. Each time you remove Contract Value from an Index Account Option prior to the end of the Index Account Option Term, we will recalculate your Index Account Option Value, based on an Interim Value adjustment, which could be zero, positive or negative. In doing so, we use an Interim Value calculation based on the value of a hypothetical portfolio of financial instruments designed to replicate the value of the Index Account Option if it were held to the end of the Index Account Option Term. Interim Values generally reflect less gain and more downside than would otherwise apply at the end of the Index Account Option Term. Additionally, neither the Protection Option nor Crediting Method rates will be applied. As such, when a transaction is processed based on the Interim Value of the Index Account Option, the Interim Value could reflect less gain or more loss (possibly significantly less gain or more loss) than would be applied at the end of the Index Account Option Term. If the Interim Value is less than the Index Option Crediting Base, your Index Account Option Value will be decreased on a proportional basis, which may be more than the amount of the withdrawal; in other words, on more than a dollar for dollar basis. Any negative adjustment could be significant, up to 100% of Contract Value allocated to the Index Account Option, and impact the amount of Contract Value available for future withdrawals.

Elimination, Suspension, Replacements, Substitutions, and Changes to Indexes, Crediting Methods, and Terms. We may replace an Index if it is discontinued or if there is a substantial change in the calculation of the Index, or if hedging instruments become difficult to acquire or the cost of hedging becomes excessive. If we substitute an Index, the performance of the new Index may differ from the original Index, and you may not be able to achieve the level of Index Return you anticipated. If an Index is replaced during an Index Account Option Term, the Index Return for the Index Account Option Term will be calculated by combining the Index Return for the original Index from the beginning of the term up until the date of replacement, to the Index Return from the substituted Index starting on the date of replacement through the end of the Index Account Option Term, as follows:

Example: Assume that you allocate Contract Value to a 6-Year Index Account Option with the S&P 500 Index and the Index value is $1,000 at the beginning of the term. After 2 years, the S&P 500 Index is discontinued and replaced by the MSCI EAFE Index. On the day of the replacement, the S&P 500 Index is $1,100, so the Index Return as of that date is 10%. The MSCI EAFE Index value on the day of the replacement is $2,000. Going forward, your Index Return for the remainder of the Index Account Option Term will be equal to (1 plus 10%) times (1 plus the calculated return of the MSCI EAFE Index from the replacement date) minus 1. This means that at the end of the Index Account Option Term, if the MSCI EAFE Index value is $1,900, your Index Return would be (1+ 10% ) x (1 + -5%) (-1) = 4.5%.

A substitution of an Index during an Index Account Option Term will not cause a change in the Crediting Method, Protection Option, or Index Account Option Term length. No Interim Value adjustment will apply at the time of the substitution if we substitute an Index.

Changes to the Cap Rates, Index Participation Rates (applicable only with the Cap Crediting Method), Performance Trigger Rates, Performance Boost Rates, and Performance Boost Cap Rates (applicable only with the Performance Boost Crediting Method), if any, occur at the beginning of the next Index Account Option Term. The guaranteed maximum Floor and guaranteed minimum Buffer will not change for the life of your Contract. Available Floor and Buffer Rates are guaranteed never to be less than 5%.

We may also add or remove an Index, Index Account Option Term, Crediting Method, or Protection Option during the time that you own the Contract. You bear the risk that we may eliminate an Index Account Option or certain Index Account Option features and replace them with new options and features that are not acceptable to you. We will not add any Index, Index Account Option Term, Crediting Method, or Protection Option until the new Index or Crediting Method has been approved by the insurance department in your state. Any addition, substitution, or removal of an Index, Crediting Method, Protection Option, or Index Account Option Term will be communicated to you in writing.

Intra-Term Performance Lock. Because an Intra-Term Performance Lock utilizes Interim Value on the Intra-Term Performance Lock Date, you may receive less on the date you exercise your Intra-Term Performance Lock than you would have had you exercised your Intra-Term Performance Lock on a different date. The Interim Value is calculated based on the value of a hypothetical portfolio of financial instruments designed to replicate the value of the Index Account Option if it were held until the end of the Index Account Option Term. Interim Values generally reflect less gain and more downside than would otherwise apply at the end of the Index Account Option Term. Additionally, neither the Protection Option nor Crediting Method rates will be applied. As such, you may receive less than you would have received had you not exercised an Intra-Term Performance Lock and instead remained invested until the end of your Index Account Option Term when you would have realized the full value of your Index Adjustment Factors. When you exercise an Intra-Term Performance Lock, you must transfer the full Interim Value from the selected Index Account Option to the Short Duration Fixed Account Option, which means you will not get the benefit of any positive Index market performance for the remainder of that Contract Year. Once you have exercised an Intra-Term Performance Lock, the Interim Value transferred to the Short Duration Fixed Account Option will be inaccessible for transfer until the next Contract Anniversary. It is possible that the same combination of options that made up the Index Account Option on which you exercised your Intra-Term Performance Lock may no longer be available or may have different rates once you reach the Contract Anniversary, thus preventing you from being reallocated into an identical Index Account Option. Further, once you have exercised an Intra-Term Performance Lock, it is irrevocable.

Issuing Company. No company other than Jackson has any legal responsibility to pay amounts that Jackson owes under the Contract. The amounts you invest are not placed in a registered separate account, and your rights under the Contract to invested assets and the returns on those assets are subject to the claims paying ability of Jackson. You should review and be comfortable with the financial strength of Jackson for its claims-paying ability.

Effects of Withdrawals, Annuitization, or Death. If any of the following are taken during the Index Account Option Term, they could be subject to an Interim Value adjustment that could reduce your Index Account Option Value: a partial or total withdrawal, a GAWA withdrawal on Contracts with +Income GMWB or +Income GMWB with Joint Option, Required Minimum Distribution ("RMD"), Intra-Term Performance Lock, amounts applied to an income option upon annuitization, or payment of the Contract Value element of the Death Benefit. Such reduction could be significant. Interim Values generally reflect less gain and more downside than would otherwise apply at the end of the Index Account Option Term. Additionally, neither the Protection Option nor Crediting Method rates will be applied. As such, you may receive less than you would have received had you instead remained invested until the end of your Index Account Option Term when you would have realized the full value of your Index Adjustment Factors. The Interim Value may reflect a negative return even if the Index increases, and may reflect a positive return even if the Index decreases. If you take a withdrawal when the Index Return is negative, your remaining Contract Value may be significantly less than if you waited to take the withdrawal when the Index Return was positive. In addition, partial and total withdrawals taken during the first six Contract Years which exceed the Free Withdrawal amount, including Excess Withdrawals on Contracts with +Income GMWB or +Income GMWB with Joint Option, may be subject to a Market Value Adjustment. Amounts applied to income payments on an Income Date that is within one year of the Contract's Issue Date may also be subject to a Market Value Adjustment. Such reduction could be significant. See "Market Value Adjustment" beginning on page 48 for more information. Because the deduction of advisory fees is subject to Interim Value adjustments, your Contract Value may be reduced by more than the amount of the advisory fee if a deduction is taken at a point in time at which the Interim Value is less than the Index Option Crediting Base.

All withdrawals, including GAWA withdrawals and RMDs, will be taken proportionately from each of your Index Account Options and Fixed Account unless otherwise specified. Withdrawals can also reduce the Death Benefit. Any Return of Premium Death Benefit will be reduced in a pro-rated amount. Pro rata reductions can be greater than the actual dollar amount of your withdrawal. In addition, since all withdrawals reduce the Contract Value, withdrawals will also reduce the amount that can be taken as income since such amount is determined by the Contract Value on the Income Date. The Latest Income Date for this contract is age 95.

If your Contract Value falls below the minimum Contract Value remaining as a result of a withdrawal (as stated in your Contract), we may terminate your Contract. This minimum Contract Value requirement does not apply if you have added +Income GMWB or +Income GMWB with Joint Option to your Contract.

There are administrative rules that must be followed when taking an RMD withdrawal. Notice of an RMD is required at the time of your withdrawal request, and there is an administrative form for providing such notice. The administrative form allows you to elect one time or automatic RMD withdrawals. Eligible withdrawals that are specified as RMDs may only be taken based on the value of the Contract to which the endorsement applies, even where the Internal Revenue Code allows taking multiple contracts’ RMDs from a single contract. You, as Owner, are responsible for complying with the Internal Revenue Code’s RMD requirements. If you fail to take your full RMD for a year, you will be subject to a 25% excise tax on any shortfall. This excise tax is reduced to 10% if a distribution of the shortfall is made within two years and prior to the date the excise tax is assessed or imposed by the IRS. If your requested RMD exceeds our calculation of the RMD for your Contract, your request will not be eligible for the waiver of any applicable MVA and we will apply an MVA as applicable to the portion of the withdrawal exceeding our calculation of the RMD, which will be reflected in the confirmation of the transaction. An RMD exceeding our calculation may also result in an Excess Withdrawal for purposes of your +Income GMWB or +Income GMWB with Joint Option, which would result in an adverse recalculation of the GWB and GAWA. For more information on RMD requirements, please see "Required Minimum Distributions Under Certain Tax-Qualified Plans ("RMDS")" beginning on page 63.

Deduction of Advisory Fees from Contract Value. Under certain circumstances, you may elect to have advisory fees directly deducted from your Contract Value and automatically transmitted to your third-party financial professional, subject to certain administrative rules. If you do elect to pay your advisory fees via direct deductions under our rules, we will not treat such deductions as withdrawals in two specific ways: (i) we will not report them as taxable distributions under your Contract; and (ii) any such deduction will not trigger a reduction in the return of premium benefit base of the basic Death Benefit, as applicable (Owners age 81 and older on the date the Contract is issued do not have a return of premium element in the basic Death Benefit). It is important to note that deductions to pay advisory fees will always reduce your Contract Value and the Contract Value portion of your basic Death Benefit, and they are otherwise subject to all contractual provisions and other restrictions and penalties, including Interim Value adjustments and minimum withdrawal requirements. Because the deduction of advisory fees is subject to Interim Value adjustments, your Contract Value may be reduced by more than the amount of the advisory fee if a deduction is taken at a point in time at which the Interim Value is less than the Index Option Crediting Base. Advisory fees are in addition to expenses disclosed in this prospectus. In addition, the election of either the +Income GMWB or +Income GMWB with Joint Option disqualifies you from utilizing our administrative rules to directly deduct advisory fees from Contract Value. This means if you take withdrawals to pay advisory fees and do not follow our administrative rules, and/or elect the +Income GMWB or +Income GMWB with Joint Option, in addition to your Contract Value and the return of premium element of the basic Death Benefit being reduced, all such withdrawals will be subject to Market Value Adjustments and any applicable income taxes and penalties. For more information about our administrative rules applicable to the direct deduction of advisory fees from Contract Value, please see the subsection titled "Our Administrative Rules" in the section titled "Access to Your Money" beginning on page 41.

+Income GMWB and +Income GMWB with Joint Option Add-On Benefits. You may never need or use certain features provided by the +Income GMWB or +Income GMWB with Joint Option add-on benefits. In that case, you may pay for a feature for which you never realize any benefits.

The +Income GMWB and +Income GMWB with Joint Option are subject to conditions, including increased withdrawal rates the longer you wait to initiate withdrawals after election of the add-on benefit. You may die before you begin taking withdrawals under the add-on benefit. Alternatively, you may not live long enough to receive enough benefit from the add-on benefit to exceed the amount of the fees you pay for the add-on benefit. You may need to make Excess Withdrawals, which have the potential to substantially reduce or even terminate the benefits available from the add-on benefit.

The Index Account Options you elect may provide sufficient credited interest such that you may not need the guarantee that may otherwise be provided by the add-on benefit available for an additional charge.

If your Contract includes the +Income GMWB or +Income GMWB with Joint Option, Excess Withdrawals will reduce the value of the Guaranteed Withdrawal Balance ("GWB") in proportion to the amount of the Excess Withdrawal relative to the total Contract Value at the time of withdrawal. Accordingly, under certain circumstances, a withdrawal could reduce the value of the GWB by more than the dollar amount of the withdrawal.

Add-on benefits may be available at issue or on your Contract Anniversary, subject to availability. If you do not elect the add-on benefit at issue, it is likely that the rates associated with the add-on benefit, including GAWA 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.

We reserve the right to place restrictions on which Contract Options you may select when you have elected an add-on benefit. This includes restrictions to Index Account Option Crediting Methods, Protection Options, Indexes, and Term lengths. If any such restrictions are in place, they will be listed in Appendix A: Investment Options Available Under the Contract, and you will be provided notice of these restrictions.

Upon the death of the Owner or joint Owner, if the Beneficiary is a non-spousal Beneficiary, the GWB is void and this GMWB terminates automatically; therefore, the death of the Owner or joint Owner may have a significant negative impact on the value of this GMWB and cause the GMWB to prematurely terminate.

Neither the +Income GMWB nor the +Income GMWB with Joint Option may be terminated independently from termination of the Contract, except in connection with a spousal continuation, where permitted by the terms of the Contract.

The GMWB Charge that you pay for the +Income GMWB or +Income GMWB with Joint Option may be increased every five Contract Years. While you have the ability to avoid any GMWB Charge increases by opting out of future annual Step-Ups, doing so will lock in your GAWA%, which means you are also foregoing any potential further increases to your GAWA%.

GMWBs generally may not be appropriate for Owners who have as a primary objective taking maximum advantage of the tax deferral that is available to them under an annuity contract to accumulate assets. Please consult your tax and financial professionals before adding a GMWB to a Contract.

Please note: the election of either the +Income GMWB or +Income GMWB with Joint Option disqualifies you from utilizing our administrative rules to directly deduct advisory fees from Contract Value. This means that if you've elected the +Income GMWB or +Income GMWB with Joint Option and you make a withdrawal to pay advisory fees, your withdrawal will be treated as a standard partial withdrawal under the Contract. In other words, in addition to your Contract Value and basic Death Benefit being reduced, the withdrawal will be subject to Market Value Adjustments, any applicable taxes and tax penalties.

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.

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

Early Withdrawal Risk [Line Items]

Risk, Maximum Loss Resulting from Negative Contract Adjustment [Percent]

100.00%

Index-Linked Option Risk [Line Items]

Index-Linked Option Risk, Investor Not Invested in Index or Tracked Securities [Text Block]

An investment in an Index Account Option is not an investment in the companies that comprise the applicable Index.

Contract Changes Risk [Line Items]

Index-Linked Option Changes Features Risk [Text Block]

Limits on Investment Return.

Cap, Performance Trigger, and Performance Boost Cap Rates are not annual rates. For Index Account Option Terms that are longer than one year, the rates would be lower on an annual basis.


Guaranteed Minimum Rates (When Offered)
Rate	Index Account Option Term Length
	1-Year	3-Year	6-Year
Cap Rate	1.0%	1.5%	2.0%
Index Participation Rate	100%	100%	100%
Performance Trigger Rate	1.0%	1.0%	1.0%
Performance Boost Rate	5.0%	5.0%	5.0%
Performance Boost Cap Rate	1.0%	1.5%	2.0%

Restrictions on Transfers Risk [Text Block]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Credits are Based in Part on Index Performance [Text Block]

When you allocate money to the Index Account, you are credited the Index Adjustment based upon the performance of your selected Index.

Index-Linked Option Details, Investor Not Invested in Index or Securities [Text Block]

All of the Indexes offered are price return indexes, not total return indexes, which means they do not reflect dividends paid on the securities composing the Index. This will reduce the Index Return and cause the Index to underperform a direct investment in the securities composing the Index.

Index-Linked Option Details, Changes Possible [Text Block]

We reserve the right to add, remove, or replace any Index, Term, Crediting Method, or Protection Option in the future, subject to necessary regulatory approvals. If an Index is replaced during an Index Account Option Term, the Index Return for the Index Account Option Term will be calculated by adding the Index Return for the original Index from the beginning of the term up until the date of replacement, to the Index Return from the substituted Index starting on the date of replacement through the end of the Index Account Option Term.

Index-Linked Option Details, Limits on Index Losses [Line Items]

Index-Linked Option Details, Limits the Negative Return [Text Block]

A Buffer is the amount of negative Index price change before a negative Index Adjustment is credited to the Index Account Option Value at the end of an Index Account Option Term, expressed as a percentage. Put another way, a Buffer protects your Index Account Option Value from loss up to a specified amount (typically 10%, 20%, or 100%). Jackson protects you from any loss associated with Index decline up to your elected Buffer percentage.

Index-Linked Option Details, Limits the Negative Return Manner [Text Block]

You only incur a loss if the Index has declined more than your elected Buffer percentage as of your Index Account Option Term Anniversary.

Index-Linked Option Details, Example of Limiting the Negative Return [Text Block]

For example, if the Index Return at the end of your Index Account Option Term is -25% and your Buffer rate is 10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term, meaning the Contract Value allocated to that Index Account Option will decrease by 15%. If you elect an Index Account Option with a 100% Buffer, you will be protected from all loss so long as Contract Value is not removed from the Index Account Option prior to the end of the Index Account Option Term.

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Crediting Methodology [Text Block]

Crediting Methods. Your selected Crediting Method will dictate the manner in which the Index Adjustment is credited to you if your selected Index performs positively during your Index Account Option Term. Current Cap Rates, Index Participation Rates (applicable only with the Cap Crediting Method), Performance Trigger Rates, Performance Boost Rates, and Performance Boost Cap Rates (applicable only with the Performance Boost Crediting Method) are provided at the time of application, and to existing owners and financial professionals at any time, upon request.

To determine the Index Adjustment amount that will be credited to your Index Account Option Value at the end of each Index Account Option Term, we calculate the Adjusted Index Return for that Index Account Option. We calculate this Adjusted Index Return by applying the applicable Crediting Method, which serves to limit the positive Index Return you will realize. The Index Adjustment will be credited to the Index Account Option at a rate equal to the Adjusted Index Return.

Generally, the higher the downside risk you assume, the higher your associated Crediting Method rates will be. This means that your Crediting Method rates will typically be higher in connection with a Buffer Protection Option with a 10% or 20% Buffer Rate than they will be in connection with a Floor Protection Option. In addition, your Crediting Method rates will typically be lower in connection with a 100% Buffer Protection Option than they would be in connection with a 10% Buffer Protection Option. You should carefully consider which combination of Crediting Method and Protection Options are right for you, and discuss these options with your financial professional.

We determine Cap Rates, Index Participation Rates, Performance Trigger Rates, Performance Boost Rates, and Performance Boost Cap Rates for each new Index Account Option Term at our discretion, subject to the guaranteed minimums discussed below. We consider a number of factors when declaring Cap Rates, Index Participation Rates, Performance Trigger Rates, Performance Boost Rates, and Performance Boost Cap Rates. Generally, we seek to manage our risk associated with our obligations, in part, by trading call and put options and other derivative instruments on the available Indices. The costs of these instruments impact the rates we declare, and those costs can be impacted by market conditions and forces. You are not an investor in these call and put options or other derivative instruments. For more information, see the sections titled General Account and Unregistered Separate Account beginning on page 74. We also consider the asset yield on the fixed assets backing our obligations, administrative expenses, regulatory and tax requirements, general economic trends and competitive factors. You bear the risk that we may declare lower Cap Rates, Index Participation Rates, Performance Trigger Rates, Performance Boost Rates, and Performance Boost Cap Rates for future Index Account Option Terms, and that such rates could be as low as the guaranteed minimums discussed below. Rates offered for new Index Account Option Terms may be different from those offered to new investors or offered to you at Contract issuance.

Before selecting an Index Account Option for investment, you should consider in consultation with your financial professional the Crediting Method that may be appropriate for you based on your risk tolerance, investment horizon and financial goals.

Generally, assuming the same Index and Index Account Option Term, an Index Account Option that provides less potential for Index gains will tend to have more protection from Index losses. Conversely, assuming the same Index and Index Account Option Term, an Index Account Option that provides more potential for Index gains will generally tend to have less protection from Index losses.

The examples in the following sections illustrate how we calculate and credit interest under each Crediting Method, assuming hypothetical Index Returns and hypothetical limits on Index gains and losses. The examples assume no withdrawals.

Index-Linked Option Details, Bar Chart Legend [Text Block]

Index Performance Examples. The bar charts shown below provide each Index's annual returns for the last 10 calendar years (or for the life of the Index if less than 10 years), as well as the Index Returns after applying a hypothetical 5% Cap rate and a hypothetical -10% Buffer rate. The charts illustrate the variability of the returns from year to year and show how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.

The performances below are NOT the performance of any Index Account Option. Your performance under the Contract will differ, perhaps significantly. The performances below may reflect a different return calculation, time period, and limit on Index gains and losses than the Index Account Options, and do not reflect Contract fees and charges, including advisory fees paid to third-party financial professionals, Market Value Adjustments and the Interim Value calculation and adjustment, which reduce performance.

Index-Linked Option Details, Indexes [Line Items]

Index-Linked Option Details, Index Substitution [Text Block]

Replacing an Index.

Index-Linked Option Details, Index Substitution Circumstances [Text Block]

We may replace an Index if it is discontinued or the Index is no longer available to us or if the Index's calculation changes substantially. Additionally, we may replace an Index if hedging instruments become difficult to acquire or the cost of hedging related to such Index becomes excessive. We may do so at the end of an Index Account Option Term or during an Index Account Option Term.

Index-Linked Option Details, Index Substitution Selection [Text Block]

If we replace an Index, we will attempt to select a new Index that is similar to the old Index. In making this evaluation, we will look at factors such as asset class; Index composition; strategy or methodology inherent to the Index; and Index liquidity.

Index-Linked Option Details, Index Substitution Notification [Text Block]

We will notify you in writing at least 30 days before we replace an Index.

Index-Linked Option Details, Index Substitution Calculation [Text Block]

If an Index is replaced during an Index Account Option Term, the Index Return will be calculated by combining the Index Return for the original Index from the beginning of the term up until the date of replacement, to the Index Return from the substituted Index starting on the date of replacement through the end of the Index Account Option Term, as shown in the Example below.

Item 7. Charges and Adjustments [Line Items]

Contract Adjustment [Table Text Block]

CHARGES AND ADJUSTMENTS

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

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

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

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

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

Expedited Delivery Charge. When you request expedited delivery of any withdrawal amounts, there are additional charges assessed for this service. 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. The current charge for standard overnight delivery is $23. The current charge for overnight delivery on Saturday is $38.

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

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

Item 10. Benefits Available [Line Items]

Benefits Available (N-4) [Text Block]

BENEFITS AVAILABLE UNDER THE CONTRACTS

The following tables summarize information about the benefits available under the Contract.

The availability of Contract benefits may vary depending on the broker-dealer or financial intermediary through which the Contract is sold. See Appendix H: Financial Intermediary Variations.

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-11.html. For a list of historical add-on benefit charges, please see “Appendix G (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 reduced for prior withdrawals (including any applicable charges and adjustments) in the same proportion that the Contract Value was reduced on the date of the withdrawal. *For Owners age 81 and older at the time the Contract issued, the basic Death Benefit is equal to the current Contract Value.	No additional charge	•Withdrawals could significantly reduce the benefit. •Payment of advisory fees via direct deduction from Contract Value could significantly reduce the benefit. •Benefit terminates on annuitization.

Add-On Benefits Available For a Fee

Availability of all add-on benefits are subject to age limitations and other eligibility conditions. Only one add-on 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-11.html. For a list of historical add-on benefit charges, please see “Appendix G (Historical Add-On Benefit Charges).”


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
+Income GMWB and +Income GMWB with Joint Option	Designed to help investors manage their lifetime income needs by guaranteeing the withdrawal of minimum annual amounts for life, regardless of the performance of the Indexes underlying an investor's Index Account Options, while the Contract is in the accumulation phase (i.e. before the Income Date). Annual Step-Ups in years in which the indexes perform well increase the Guaranteed Withdrawal Balance (“GWB”). In addition, you have the potential to increase the Guaranteed Annual Withdrawal Amount (“GAWA”) percentage and in years you wait to take income, regardless of what is happening in the market.	+Income GMWB: Maximum: 3.00% +Income GMWB with Joint Option: Maximum: 3.00% (as a percentage of benefit base)	•GAWA% depends on age on Determination Date. •+Income GMWB with Joint Option is available only to spouses. •Jackson may prospectively change the GAWA%, including the age bands, on new GMWB endorsements (via rate sheet). •May be subject to fee increases on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •Withdrawals prior to start of For Life Guarantee and Excess Withdrawals could significantly reduce or terminate the benefit.


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
+Income GMWB and +Income GMWB with Joint Option (Continued)			•If the For Life Guarantee is not yet in effect, withdrawals that cause the Contract Value to reduce to zero void the For Life guarantee and it will never become effective. •Excess Withdrawals may be subject to a Market Value Adjustment. •Withdrawals under this GMWB are subject to Interim Value adjustments if withdrawn from an Index Account Option before the end of an Index Account Option Term. •The GWB can never be more than $10 million (including upon Step-Up). •Cannot be cancelled by you (except upon spousal continuation). •Terminates on the Income Date. •Jackson reserves the right to place restrictions on which Contract Options you may select when you have elected this GMWB. This includes restrictions to Index Account Option Crediting Methods, Protection Options, Indexes, and Term lengths. If any such restrictions are in place, they will be listed in Appendix A: Investment Options Available Under the Contract. •Payment of advisory fees via direct deduction from Contract Value is not permitted if this add-on benefit is elected.

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


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Intra-Term Performance Lock	Allows you to transfer the full Interim Value from your selected Index Account Option into the Short Duration Fixed Account Option, where it will earn the declared Short Duration Fixed Account rate of interest beginning on the Intra-Term Performance Lock Date until the next Contract Anniversary.	None	•Uses the Interim Value calculated at the end of the Business Day after we receive your request. This means you will not be able to determine in advance your "locked in" Index Account Value, and it may be higher or lower than it was on the Business Day we received your request. •An Intra-Term Performance Lock ends the Index Account Option Term for the Index Account Option out of which it is transferred, effectively terminating that Index Account Option. •Once an Intra-Term Performance Lock has been processed, it is irrevocable.
End-Term Performance Lock	Automatically transfers any positive Index Adjustment from an Index Account Option to the Fixed Account on the Index Account Option Term Anniversary.	None	•Amounts transferred into the Fixed Account in connection with an End-Term Performance Lock will be unavailable to reallocate to an Index Account Option until the next Contract Anniversary. •Not available in combination with Automatic Rebalancing.
Rebalancing	Automatically rebalances your Contract Value between eligible Contract Options on the Contract Anniversary based upon the most recent allocation instructions you have provided.	None	•A Contract Option is only eligible for rebalancing at the end of its term. •Rebalancing will only occur if more than one existing Contract Option's term ends on the same date. •Not available in combination with End-Term Performance Lock.

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 reduced for prior withdrawals (including any applicable charges and adjustments) in the same proportion that the Contract Value was reduced on the date of the withdrawal. *For Owners age 81 and older at the time the Contract issued, the basic Death Benefit is equal to the current Contract Value.	No additional charge	•Withdrawals could significantly reduce the benefit. •Payment of advisory fees via direct deduction from Contract Value could significantly reduce the benefit. •Benefit terminates on annuitization.

Add-On Benefits Available For a Fee


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
+Income GMWB and +Income GMWB with Joint Option	Designed to help investors manage their lifetime income needs by guaranteeing the withdrawal of minimum annual amounts for life, regardless of the performance of the Indexes underlying an investor's Index Account Options, while the Contract is in the accumulation phase (i.e. before the Income Date). Annual Step-Ups in years in which the indexes perform well increase the Guaranteed Withdrawal Balance (“GWB”). In addition, you have the potential to increase the Guaranteed Annual Withdrawal Amount (“GAWA”) percentage and in years you wait to take income, regardless of what is happening in the market.	+Income GMWB: Maximum: 3.00% +Income GMWB with Joint Option: Maximum: 3.00% (as a percentage of benefit base)	•GAWA% depends on age on Determination Date. •+Income GMWB with Joint Option is available only to spouses. •Jackson may prospectively change the GAWA%, including the age bands, on new GMWB endorsements (via rate sheet). •May be subject to fee increases on each 5th Contract Anniversary (opting out will affect the benefit and the Contract). •Withdrawals prior to start of For Life Guarantee and Excess Withdrawals could significantly reduce or terminate the benefit.


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
+Income GMWB and +Income GMWB with Joint Option (Continued)			•If the For Life Guarantee is not yet in effect, withdrawals that cause the Contract Value to reduce to zero void the For Life guarantee and it will never become effective. •Excess Withdrawals may be subject to a Market Value Adjustment. •Withdrawals under this GMWB are subject to Interim Value adjustments if withdrawn from an Index Account Option before the end of an Index Account Option Term. •The GWB can never be more than $10 million (including upon Step-Up). •Cannot be cancelled by you (except upon spousal continuation). •Terminates on the Income Date. •Jackson reserves the right to place restrictions on which Contract Options you may select when you have elected this GMWB. This includes restrictions to Index Account Option Crediting Methods, Protection Options, Indexes, and Term lengths. If any such restrictions are in place, they will be listed in Appendix A: Investment Options Available Under the Contract. •Payment of advisory fees via direct deduction from Contract Value is not permitted if this add-on benefit is elected.

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


NAME OF BENEFIT	PURPOSE	MAXIMUM FEE	BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS
Intra-Term Performance Lock	Allows you to transfer the full Interim Value from your selected Index Account Option into the Short Duration Fixed Account Option, where it will earn the declared Short Duration Fixed Account rate of interest beginning on the Intra-Term Performance Lock Date until the next Contract Anniversary.	None	•Uses the Interim Value calculated at the end of the Business Day after we receive your request. This means you will not be able to determine in advance your "locked in" Index Account Value, and it may be higher or lower than it was on the Business Day we received your request. •An Intra-Term Performance Lock ends the Index Account Option Term for the Index Account Option out of which it is transferred, effectively terminating that Index Account Option. •Once an Intra-Term Performance Lock has been processed, it is irrevocable.
End-Term Performance Lock	Automatically transfers any positive Index Adjustment from an Index Account Option to the Fixed Account on the Index Account Option Term Anniversary.	None	•Amounts transferred into the Fixed Account in connection with an End-Term Performance Lock will be unavailable to reallocate to an Index Account Option until the next Contract Anniversary. •Not available in combination with Automatic Rebalancing.
Rebalancing	Automatically rebalances your Contract Value between eligible Contract Options on the Contract Anniversary based upon the most recent allocation instructions you have provided.	None	•A Contract Option is only eligible for rebalancing at the end of its term. •Rebalancing will only occur if more than one existing Contract Option's term ends on the same date. •Not available in combination with End-Term Performance Lock.

Optional Benefit Expense, Footnotes [Text Block]

The charges for the optional benefits are calculated based on the applicable percentage of the Guaranteed Withdrawal Balance ("GWB").

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

The availability of investment options may vary depending on the broker-dealer or financial intermediary through which the Contract is sold. See: Appendix H: Financial Intermediary Variations.

The following is a list of the Index Account Options currently available under the Contract. We may change the features of the Index Account Options listed below (including the Index and the current limits on Index gains and losses), offer new Index Account Options, and terminate existing Index Account Options. We will provide you with written notice before making any changes other than the changes to current limits on Index gains. Information about current limits on Index gains is available at Jackson.com/RatesJMLPA3. For more information about the Index Account Options, please see "Index Account" beginning on page 28 and "Additional Information About the Index Account Options" beginning on page 30.

Note: If amounts are removed from an Index Account Option before the end of the Index Account Option Term, we will apply an Interim Value adjustment. This may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if you held the option until the end of the Index Account Option Term. For more information on Interim Value, please see "Interim Value Calculation and Adjustment" beginning on page 47.

Index

Type of Index

Term

Current Limit on Index Loss (if held until the end of the Index Account Option Term)

Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

S&P 5001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

S&P 5001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Index

Type of Index

Term

Current Limit on Index Loss (if held until the end of the Index Account Option Term)

Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)

S&P 5001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

S&P 5001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

Russell 20001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Russell 20001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Russell 20001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

Russell 20001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

Index

Type of Index

Term

Current Limit on Index Loss (if held until the end of the Index Account Option Term)

Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)

Russell 20001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

MSCI EAFE1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

MSCI EAFE1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Performance Boost Cap Rate, 5.0% Performance Boost Rate

MSCI EAFE1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

MSCI EAFE1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Index

Type of Index

Term

Current Limit on Index Loss (if held until the end of the Index Account Option Term)

Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

MSCI Emerging Markets1

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

MSCI Emerging Markets1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Performance Boost Cap Rate, 5.0% Performance Boost Rate

MSCI Emerging Markets1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

MSCI Emerging Markets1

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

Index

Type of Index

Term

Current Limit on Index Loss (if held until the end of the Index Account Option Term)

Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Trigger Rate

Nasdaq-1001

Market Index

1 year

See current Rate Sheet Prospectus Supplement

1.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Nasdaq-1001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

3 years

See current Rate Sheet Prospectus Supplement

1.5% Performance Boost Cap Rate, 5.0% Performance Boost Rate

Nasdaq-1001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Cap Rate, 100% Index Participation Rate

Nasdaq-1001

Market Index

6 years

See current Rate Sheet Prospectus Supplement

2.0% Performance Boost Cap Rate, 5.0% Performance Boost Rate

1.All Indexes are price return indexes and not total return indexes, and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index Return and will cause the Index to underperform a direct investment in the securities composing the Index.

We reserve the right to delete or add Index Account Options, Indexes, Crediting Methods, Protection Options, and Index Account Option Terms in the future. There will always be more than one Index Account Option available, and those options will always be identical or similar to one of the options disclosed in this prospectus. When offered, available Buffer and Floor rates are guaranteed to be no less than 5%. There will always be at least one Protection Option available for election.

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 "Fixed Account" beginning on page 26.


Name	Term	Minimum Guaranteed Interest Rate
Fixed Account Option	1 year	2.40%
Short Duration Fixed Account Option	Until the next Contract Anniversary following exercise of Intra-Term Performance Lock or spousal continuation	2.40%