Jackson National Life RateProtector 3
Current Fixed Rates Bands
Rate Effective Date October 19, 2026
The Jackson National Life RateProtector 3 is a single premium, fixed annuity with a three-year rate guarantee and an MVA. After three years, owners have a 30-day window to withdraw, transfer, or reinvest their entire account balance. If no action is taken, a one year rate is declared, but the annuity remains penalty-free and completely liquid.
Two rate bands are available. The highest rate applies to amounts above $100,000, while lower rates apply to deposits of $10,000-$99,999. Qualified and non-qualified funds are accepted. This policy is RMD-friendly for IRA holders. There are no surrender charges at death. An optional non-qualified stretch payout option is available for named beneficiaries.
More Annuity options from: Jackson National Life
Notable Features
Terminal Illness and Extended Care waivers are available at no charge, subject to policy provisions. Please see the brochure and contract for more details.
Non-qualified stretch options are offered at passing to mitigate income taxes. Several annuitization options for systematic income are also available.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
3 Years
Free Withdrawals Yr1 / Yr2+
10% / 10%
Additional Withdrawal Information
This annuity allows annual withdrawals of up to 10% of the accumulation value without withdrawal charges or a Market Value Adjustment (MVA), if applicable. This policy is RMD-friendly for IRA owners in all years.
Surrender Schedule
8%, 8%, 7%, 0%
Maximum Age
85
Minimum Investment
$100,000
Maximum Investment
$100,000
What We Like About This Annuity
This annuity is offered by an A rated carrier. The policy includes 10% free withdrawals in all years and also includes health waivers.
The policy does not automatically renew at the end of the term. It also offers several annuitization options for regular income payments.
Other Popular Products
Jackson National Life is well-known for its diverse annuity offerings. Their income-generating, fixed-indexed, and variable policies are also competitive in certain markets. At times, their accounts offer some of the highest lifetime income annuities available in certain age bands.
About Jackson National Life
Jackson National Life
AM Best Rating: A Excellent (3rd of 13 ratings)
https://www.jackson.com/
About Jackson National Life Insurance Company
Founded in 1961, this A rated carrier specializes in several types of annuities with a focus on asset management. They operate under a family of companies and consistently rank among the largest annuity providers in the country.
JNL has a Comdex score of 76 and also carries A ratings from Fitch, Moody’s, and Standard & Poor’s. They are known for offering very competitive income annuity policies for lifetime payouts.
Their customer-focused investments are designed to deliver value and accessibility while mitigating risk through their strong corporate governance. They are active in the communities they serve with a focus on environmentalism and sustainability.