Jackson Debuts Fixed Index Accumulation Suite With 5- and 7-Year Options and 10-Year Protection Advantage

Jackson National Life Insurance Company launched a suite of fixed index annuities with 5- and 7-year options, along with a 10-year contract, the company said on October 26, 2026. The report was published by Business Wire.

Jackson's Fixed Index Accumulation Suite

Jackson launched Jackson Fixed Index Accumulation and Jackson Fixed Index Accumulation Advisory, fixed index annuities that protect retirement savings while providing growth potential. The commission-based and fee-based versions each offer 5- and 7-year options. Jackson also introduced Jackson Protection Advantage, a 10-year contract offered directly to independent agents.

The suite provides five index options that can be allocated in any combination: the S&P 500, Dow Jones Industrial Average, Nasdaq-100, Russell 2000 and MSCI EAFE. Jackson will not restrict which index options can be selected with each crediting method. Four crediting methods are available, including guaranteed cap and guaranteed performance trigger methods that lock in a rate for the duration of the 5-, 7- or 10-year withdrawal charge and market value adjustment period, plus non-guaranteed cap and non-guaranteed performance trigger methods.

Higher caps and rates apply on larger premium amounts. Alongside the $0 to $99,999 and $100,000 or more rate bands, the product includes an additional crediting band for contracts with $500,000 or more in premium. An embedded guaranteed minimum accumulation benefit guarantees the contract value will not be less than 100% of premiums paid, adjusted for withdrawals, at the end of the withdrawal charge and market value adjustment period.

"This product suite offers financial professionals and their clients meaningful flexibility through five available indices and four different crediting methods," said Alison Reed, EVP, Head of Distribution, Jackson National Life Distributors LLC.

Jackson also announced updates to its single premium immediate annuity, Jackson SPIA, available in all states except New York, with additional income options including joint continuation and installment refund options. "The refresh of our SPIA product gives financial professionals more ways to structure income around each client's priorities," said Matt Lemieux, Head of Product & Advanced Planning Solutions, JNLD.

Jackson's Recent Product and Partnership Record

According to akta.pro company records, Jackson launched Jackson Market Link Pro 4 and Market Link Pro Advisory 4 registered index-linked annuities in June 2026, the first RILA industry product to introduce the Dow Jones Industrial Average as an index option. In January 2026, Jackson closed a long-term strategic partnership with TPG Inc. involving a $500 million minority equity investment, approximately a 6.5% stake, and a 10-year non-exclusive investment management mandate with a minimum $12 billion in assets under management and a $20 billion target. The same records list $19.7 billion in record-breaking retail annuity sales for full-year 2025, a 10% year-over-year increase, and $5.9 billion in Q4 2025 retail annuity sales, up 27% year-over-year.

Legal Inquiries Preceding the Launch

Pomerantz LLP said in October 2026 that it was investigating Jackson Financial Inc. for potential securities fraud, following a report alleging its subsidiary inflated solvency metrics, according to GlobeNewswire. Schall, Brown & Schwartz LLP said on October 11, 2026 that it was investigating Jackson Financial Inc. for securities law violations, including false or misleading statements, according to FinancialContent Business Page. A QVT Financial report alleges Jackson National Life inflated solvency metrics and hid hedge losses, causing shares to fall over 5.6%.