Jackson National Life Insurance Company

Jackson National Life Insurance Company (Jackson) has three different life insurance products available to individuals and business entities in the United States.

• Variable Universal Life (VUL),whose cash value changes depending on the financial performance of the investment portfolio;
• Universal Life (UL), a fixed insurance with minimum guarantees; and
• Term Life, the most basic type of insurance with relatively low up-front costs.

Within Jackson's VUL product line, there are three plans to choose from:

• Perspective Investor VUL;
• Ultimate Investor VUL; and
• JNL Advisor VUL.

Each of these provides a death benefit, tax advantages, a professionally managed investment portfolio, and a predetermined life insurance account. Jackson advises that these products be funded at higher levels than other forms of life insurance and are best when funded early to take advantage of accumulation potential. The Advisor VUL is a no load product designed for individuals working with a fee-based financial advisor.

Jackson's UL product line features two different options:

• JNL Generations; and
• Jackson Accumulator.

These products provide a fixed life insurance payout in the event of death as well as an accumulating account with interest. ULs give guaranteed protection and for this reason are an excellent choice for family coverage.

Contacting Jackson

Jackson's History

Jackson National Life Insurance Company began in 1961 at which time it offered just a few insurance plans. Today, Jackson offers many insurance and financial products through multiple distribution channels in the United States. In 1984, Jackson had over $1 billion in assets and has since grown to over $80 billion in total assets. Jackson expanded into the Universal Life market in 1995.

Jackson's Status & Ratings

Jackson is currently rated as follows:

• A+ (Superior) financial strength as rated by A.M. Best;
• AA (Very Strong) financial strength as rated by Fitch Ratings;
• AA (Very Strong) financial strength as rated by Standard & Poor's; and
• A1 (Good) financial strength as rated by Moody's Investors Service.

Jackson is also a member in good standing of FINRA, the largest private entity to establish rules and regulations for financial institutions and insurance companies. FINRA's high standards help to maximize the performance of companies, like Jackson, in the United States.