Help cut recovery time from market loss with a buffer.

Down markets can feel scary.

-10%
Portfolio down
=
~11%
needed to break even

And make the time it takes to recover from loss feel overwhelming.

~11 years
~4 years
~3 years
~2 years
to recover
Based on rate of return
1%
3%
5%
10%

Of course, up markets aren’t guaranteed and neither is recovery from market loss. But if the market does go up, you may be able to help shorten the time it could take to recoup your losses.

Help speed up your recovery by limiting loss in the first place.*

Certain types of investments have options to help protect you from market loss. Choosing a buffer† within a registered index-linked annuity (RILA) can cushion blows from market dips.

What is a registered index-linked annuity (RILA)?

A RILA is a long-term, tax-deferred vehicle designed for retirement. It is subject to investment risk, its value will fluctuate, and loss of principal is possible. A RILA, which is an insurance contract, allows you to choose how you want to prioritize growth opportunities while managing the amount of loss you may assume. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met.

* Owners could see a substantial loss during an index period if the index declines more than the level of downside protection. If an owner does see a substantial loss during an index period, the owner may not be able to participate full in a subsequent market recovery due to the capped upside potential in subsequent index periods.

Loss from a down market
A 10% buffer = less loss
A 20% buffer = even less loss
0%
-10%
-20%
-30%

Is a RILA with a buffer right for you?

Find out how much less time it could take to break even based on possible rates of return, using the following $100,000 portfolio as an example.

Explore your potential recovery time by choosing how much market loss you may experience.

-10%
-20%
-30%
-40%

Amount of buffer protection

Return to break even

Approximate years to recover based on annual rate of return

1%

3%

5%

10%

No Buffer
11%
11
4
3
2
10%
0%
0
0
0
0
20%
0%
0
0
0
0

Amount of buffer protection

Return to break even

Approximate years to recover based on annual rate of return

1%

3%

5%

10%

No Buffer
25%
23
8
5
3
10%
11%
11
4
3
2
20%
0%
0
0
0
0

Amount of buffer protection

Return to break even

Approximate years to recover based on annual rate of return

1%

3%

5%

10%

No Buffer
43%
36
13
8
4
10%
25%
23
8
5
3
20%
11%
11
4
3
2

Amount of buffer protection

Return to break even

Approximate years to recover based on annual rate of return

1%

3%

5%

10%

No Buffer
67%
52
18
11
6
10%
43%
36
13
8
4
20%
25%
23
8
5
3
Chart source: Calculated by Jackson. This example is hypothetical and does not reflect the performance of any specific product. Assumes $100,000 initial investment reduced by the “portfolio down” percentage. Assumes no additional contributions. Varying annual return (1%–10%) determines number of years until $100,000 is recouped. Information is not limited just to investments of $100,000.

Jackson Market Link Pro® Suite offers several levels of buffer protection, so you can choose what’s right for you.

Explore your options
† Not all crediting methods and/or protection options are available with all Index Account Option Terms. Caps/Rates are set at the beginning of each term and are subject to change.
This material is authorized for use only when preceded or accompanied by the current contract prospectus. Before investing, investors should carefully consider the investment objectives and risks of the registered index-linked annuity. This and other important information are contained in the current contract prospectus at Jackson.com/ProspectusJMLP2 for Jackson Market Link Pro II or Jackson.com/ProspectusJMLPA2 for Jackson Market Link Pro Advisory II. Please read the prospectus carefully before investing or sending money.
Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Tax laws are complicated and subject to change. Tax results may depend on each taxpayer’s individual set of facts and circumstances. You should rely on your own independent advisors as to any tax, accounting, or legal statements made herein.
Impact of Withdrawals:
Withdrawals before the end of a term are subject to an interim value adjustment. The interim value adjustment may have a positive or negative impact on the contract value at the end of the term which may be significant.
For Jackson Market Link Pro® II, withdrawal charges will apply to withdrawals during the first six years of the contract which will result in a reduced contract value. The withdrawal charge schedule is 8%, 8%, 7%, 6%, 5%, 4%, 0%.
For Jackson Market Link Pro Advisory II, a market value adjustment (MVA) will be applied to certain amounts withdrawn or annuitized during the first six contract years. The MVA may result in an increase or decrease to amounts removed from the contract.
Owners could see a substantial loss during an index period if the index declines more than the level of downside protection. If an owner does see a substantial loss during an index period, the owner may not be able to participate fully in a subsequent market recovery due to the capped upside potential in subsequent index periods.
All index adjustment factors are based on the product/contract options selected and are declared by Jackson at its discretion. Subsequent index adjustment factors may be higher or lower than the initial factors and may differ from those used for new contract or for contracts issued at different times.
Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Jackson National Life Insurance Company.
Registered index-linked annuities (contract form numbers RILA290, RILA290-CB1, RILA292, RILA292-CB1, RILA295, RILA295-FB1, RILA297, RILA297-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions, including withdrawal charges, a market value adjustment, and an Interim Value Calculation. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or contact Jackson for more information.
Jackson® is the marketing name for Jackson Financial Inc. and Jackson National Life Insurance Company®.
Firm and state variations may apply. Additionally, products may not be available in all states.

Not FDIC/NCUA insured  •  Not bank/CU guaranteed  •  May lose value
Not a deposit  •  Not insured by any federal agency

CMR26864W 06/23