jackson variable annuity commission schedules - …

1 variable annuitiesjackson variable annuity commission schedulesThese commission schedules have restrictions and limitations and do not apply to internal exchanges. Please refer to your jackson Producer Selling Agreement for other side for additional important information. For representative use only. Not for public II Fixed and variable Annuity1 (VA620)Owner Issue Ages 0-902 Owner s Issue AgeOption A3,41st Year/ Annual TrailOption B3,41st Year/ Annual TrailOption C3,41st Year/ Annual TrailOption D3,4,51st Year/Annual Trail Years 2-7/ Annual Trail Years 8+Option E3,41st Year/ Annual Trail0 April 28, 2014 For more information, contact your Internal Wholesaler.

2 800/711-JNLD (5653)Not FDIC/NCUA insured May lose value Not bank/CU guaranteedNot a deposit Not insured by any federal agencyPerspectiveSM L Series Fixed and variable Annuity1 (VA610)Owner Issue Ages 0-902 Owner s Issue AgeOption A4,61st Year/Annual Trail Years 4-7/ Annual Trail Years 8+Option B4,71st Year/Annual Trail Years 5-7/ Annual Trail Years 8+Option C3,41st Year/ Annual TrailOption D3,41st Year/ Annual Trail0 86 Insurer reserves the right to modify or terminate the commissions set forth in this 04/14 Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options.

3 The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your Internal Wholesaler to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money. If the owner or the annuitant (if the owner is a non-natural person) dies within six months of the policy issue date, full commissions will be charged back. If the beneficiary leaves the proceeds at jackson in the form of a Stretch IRA, Income with Specified Withdrawal (ISW), or a 5-Year Deferral of the death benefit proceeds, commissions will not be charged back unless a full surrender occurs within two years of the original policy issue date.

4 In this event, a full chargeback of commissions will Product may not be available in all states and state variations may apply. For all products, annual trail commissions from these schedules end upon annuitization, payment of a death benefit, or termination of the contract. No commissions will be paid on a contract in which it is determined that the premium received came from an existing or previously active jackson variable annuity contract within the past 12 Issue age is based on individual owner. If joint owners, issue age is based on older owner s age.

5 commission for subsequent premium will be based on the owner s issue age, not attained age. In the case of a non-natural entity owner, the issue age will be based on the annuitant s age. jackson reserves the right to adjust commissions in response to ownership changes (annuitant changes for contracts with non-natural owners) if the age of the new owner/annuitant on whose life the death benefit of the contract is based would have paid a different commission rate at issue had the new owner/annuitant been the original For Perspective II Option A (issue ages 86-90), B, C, D and E and Perspective L Series Option C and D.

6 On or after the first contract anniversary, annual trail commissions are paid monthly at the end of each calendar month. Annual trail commission rates are applied to a proportion of the contract value. The proportion will be calculated as the premium at least 12 months old divided by the total premium paid into the contract. Withdrawals are not considered in the calculation of the First-year commission is paid on initial and subsequent premium. For subsequent premium, availability of commissions is subject to For Option D (issue ages 0-85). Beginning in the eighth contract year, the extra of the trail will be paid monthly at the end of each calendar month based on the proportion of the contract value associated with premiums that have remained in the contract for at least 84 months.

7 The proportion will be calculated as the premium at least 84 months old divided by the total premium paid into the contract. The remaining of the trail will continue to be paid as described for premium that has not aged 84 months. Withdrawals are not considered in the calculation of the For Option A. On or after the fourth contract anniversary, annual trail commissions are paid monthly at the end of each calendar month based on the proportion of the contract value associated with premiums that have remained in the contract for at least 36 months. Beginning in the eighth contract year, the extra of the ( of the for issue ages 86-90) trail will be paid at the end of each calendar month based on the proportion of the contract value associated with premiums that have remained in the contract for at least 84 months.

8 The proportion will be calculated as the premium at least 84 months old divided by the total premium paid into the contract. The remaining of the ( of the for issue ages 86-90) trail will continue to be paid as described for premium that has not aged 84 months. Withdrawals are not considered in the calculation of the For Option B. On or after the fifth contract anniversary, annual trail commissions are paid monthly at the end of each calendar month based on the proportion of the contract value associated with premiums that have remained in the contract for at least 48 months.

9 Beginning in the eighth contract year, the extra of the ( of the for issue ages 86-90) trail will be paid at the end of each calendar month based on the proportion of the contract value associated with premiums that have remained in the contract for at least 84 months. The proportion will be calculated as the premium at least 84 months old divided by the total premium paid into the contract. The remaining of the ( of the for issue ages 86-90) trail will continue to be paid as described for premium that has not aged 84 months. Withdrawals are not considered in the calculation of the proportion.

10 commission schedules are subject to all the provisions and restrictions contained in the jackson National Life Insurance Company / jackson National Life Distributors LLC Selling Agreement, including but not limited to, the chargeback provisions. variable annuities are long-term, tax-deferred investment vehicles designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and, if withdrawn before age 591 2, may be subject to a 10% additional tax. variable annuities (VA610, VA620) are issued by jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by jackson National Life Distributors LLC, member FINRA.