Oil and gas is moving around our country, through pristine wilderness, and across our cities and towns. The recent election results are not going to change that. Oil is going to keep moving and will continue to increase in volume in our new energy boom. So, the question from an environmentalist's standpoint should not be how to stop it, but rather how to move it safely.

The recent debates concerning the Keystone XL and Dakota lines have focused the attention on pipelines, and show that few people want pipelines going through their communities. Continuing leaks, breaks and explosions do nothing to calm their fears.

An explosion on the Colonial Pipeline killed one worker and injured five others late in October in a wildlife area outside Helena in rural Alabama, when a nine-man crew in Shelby County hit a line with a large excavator. The same pipeline burst only a month before, close to the same spot, leaking almost 300,000 gallons and causing gasoline shortages across the South.

Reaction in the environmental community was immediate, with many calling for shutdown of pipelines and a moratorium on new pipeline construction. But the correct reaction should have been the opposite. We really must replace old pipelines and build new ones, reducing the stress on each line.

If the electric grid is our nation's nervous system, then oil and gas pipelines are our circulatory system. Aneurisms in these metal blood vessels, like what happened on the Colonial, have to be prevented.

America has over 2 million miles of oil and gas pipelines, and almost half of those are 50 years old. Over 2,000 miles of pipeline are 100 years old. While breaks do occur in young lines, the majority happen in old lines that pre-date many of our modern safety standards. And these pipes have been subjected to pressure and weather-related stresses for a long time. These pipelines should be replaced, or at least upgraded.

But what about getting rid of them altogether, as many people demand? Well, there are only four ways to move oil and gas around the country - pipelines, trucks, rail and boats.

In the United States, all of our natural gas is shipped by pipeline, and 70% of crude oil and petroleum products are shipped by pipe as well. Tankers and barges account for 23% of oil shipments, with making up 4% and rail a mere 3%. In Canada, the discrepancy is even more lopsided. Almost all (97%) of natural gas and petroleum products are transported by pipelines, according to the Canadian Energy Pipeline Association.

So which method is safer? For oil, where death and property destruction are taken into consideration, the short answer is: truck is worse than train, which is worse than pipeline, which is worse than boat. However, concerning the amount of oil spilled per billion-tonmiles, trucks are worse than pipelines, which are worse than rail, which is worse than boat, according to data from the Congressional Research Service (CRS). Then there is the question of environmental impact - dominated by damage to aquatic habitat - in which case boats are worse than pipelines, which are worse than trucks or rail.

The real answer, of course, depends on your definition of "worse." Is it deaths and destruction? Is it amount of oil released? Is it land area or water volume contaminated? Is it habitat destroyed? Is it C02 emitted?

Amid a North American energy boom and a lack of pipeline capacity, crude oil shipping on rail has suddenly increasing. Trains are getting bigger and towing more and more tanker cars. From 1975 to 2012, when trains were not as long, spills were rare and small, with about half of those years having no spills above a few gallons, according to EarthJustice.org. Then came 2013, in which more crude oil was spilled in U.S. rail incidents than in the previous 37 years.

Every crude oil has different properties, such as sulfur content (sweet to sour) or density (light to heavy), and requires a specific chemical processing facility to handle it. Different crudes produce different amounts and types of products, sometimes leading to a glut in one or more of them, like too much natural gas liquids that drops their price dramatically, or not enough heating oil that raises their price.

As an example, the second largest refinery in the United States, Marathon Oil's Garyville, LA facility, can handle over 520,000 bpd of heavy sour crude from places like Mexico and Canada, but can't handle sweet domestic crude from New Mexico. Thus the reason for the Keystone Pipeline or increased rail transport - to get heavy tar sand crude to refineries along the Gulf Coast than can handle it.

The last entirely new petroleum refinery in the United States opened in 1976, and since that time the number of refineries has steadily declined, while refining capacity has concentrated in everlarger facilities. 25% of U.S. capacity is found in only eleven refineries. Recently, Shell's Baytown refinery in Texas, the largest in the nation, was expanded to 600,000 bpd. Most of the big refineries can handle heavy crude, but many smaller refineries can process only light to intermediate crude oil, most of which originates within the United States.

So, the questions remain: which is safest method to move crude oil and most deserving of investment? Take two spills for comparison.

The Quebec train wreck last year killed 47 people and spilled 1.5 million gallons of crude onto land. The Enbridge pipeline rupture in 2010 spilled over a million gallons of similar crude into the Kalamazoo River, but did not kill anyone.

Contamination of water is definitely worse for the environment than land and spreads quickly over more area, effecting more species and habitat, but killing people makes a big difference to the public. I don't want to put a price tag on human life, but the government has, and it's about $8 million a person, according to the New York Times.

So the Quebec train derailment cost over $400 million in human life, plus another $150 million for clean-up and repairing the town. The Enbridge pipeline cost no human lives, but will cost about a billion dollars to clean-up, and, like the Exxon Valdez, the effort will never really succeed. These are not easy questions, and one's vested interest has a great deal of sway in the answer. You really do need to pick your poison.

As always, it will probably come down to money. It's simply cheaper and quicker to transport by pipeline than by rail or by truck. The difference in cost is about $50 billion a year for shipping via the Keystone vs. rail, totally eclipsing any economic effect of jobs in either direction.

A rail tank car carries about 30,000 gallons 700 bbls). A train of 100 cars carries about 3 million gallons (70,000 bbls) and takes more than three days to travel from Alberta to the Gulf Coast. (That's about a million gallons per day.) The Keystone will carry about 35 million gallons per day (830,000 bbls). This puts pressure on rail transport to get bigger and bigger, and include more cars per train, the very reason crude oil train wrecks have dramatically increased.

The CRS estimates transporting crude oil by pipeline is cheaper than rail by about $5/bbl vs. $10-15/bbl. But rail is more flexible and has 140,000 miles of track in the United States compared to 57,000 miles of crude oil pipelines. Building rail terminals to handle loading and unloading is a lot cheaper, and less of a hassle, than building and permitting pipelines.

It isn't acceptable to just say we shouldn't be moving oil, because we will be doing just that for the rest of this century, no matter what happens. So, keeping in mind the difference between death/damage to humans and damage to the environment, which would you choose?

Rail

Consider two seemingly disparate facts:

* From 1980 to 2012, the train accident rate in the United States fell 80%, the rail employee injury rate fell 85%, and the RR crossing collision rate fell 82%, but

* More crude oil was spilled in U.S. rail incidents in 2013 than was spilled in the previous thirty-seven years.

Huh?

Using data from the Pipeline and Hazardous Materials Safety Administration (PHMSA), 1.5 million gallons of crude oil were spilled from rail cars in 2013. On the other hand, from 1975 to 2012, railroads spilled a total of 800,000 gallons of crude oil, according to McClatchy news service. (These data do not include rail accidents in Canada, such as the Lac-Megantic, Quebec incident.)

If crude oil shipping on rail is becoming a preferred mode for oil producers in our North American energy boom, this trend is disturbing. In 2011, crude rail capacity between southern Alberta and the northern U.S. Great Plains tripled to about 300.000 bpd, about a third of the Keystone XL capacity.

U.S. railroads delivered 7 MMbbls of crude in 2008,46 MMbbls in 2011, 163 MMbbls in 2012, and 262 MMbbls in 2013 (almost as much as that anticipated by the Keystone XL alone). To replace the Keystone XL with rail shipments would mean another doubling of rail capacity, but that take just another couple of years given this trend.

The Association of American Railroads points out that over 11 billion gallons of crude were shipped in 2013, so these spills account for only one-hundredth of 1%. Nonetheless, damage to the environment and people's health still took place.

Our railroad infrastructure was not built to handle this mass of crude on its system and doesn't use enough specialty cars. If this trend continues, major infrastructure investments need to occur on both sides of the border, as well as significant changes in protocol and regulation.

The rail industry recently modified its guidelines in response to the Quebec derailment as follows:

* restrict train speeds to less than 50 mph

* increase the frequency of track maintenance

* install wayside defective equipment detectors, such as "hot box" detectors that detect wheels with faulty bearings, every 40 miles, with specific protocols for conductors when defects are indicated

* use only track in good condition to support speeds of 25 mph or higher.

Truck

While we can compare relative risks, the issue with trucking is that it takes a whole lot of trucks to move billions of gallons of crude since a single tank trailer only holds about 9,000 gallons or 200 bbls, a little under a third of a rail car. Our present fleet only handles 4% of our needs, so shipping by truck instead of the Keystone XL would take another million-and-a-half tanker trucks.

Trucking is the most risky form of transport from an accident and also from a spill standpoint. However, it has the least impact from an environmental standpoint since each truck is small and is mainly on land. What is important to note, however, is regardless of the long-hauling mode, most petroleum eventually gets onto a truck for the short moves. This limits the tons-mile risk but increases the incident number risk.

In a white paper, the Canadian Trucking Alliance repeated its long-standing position that "the federal government should introduce a universal mandate requiring all trucks, where the driver is currently required to carry a logbook under the federal hours of service regulations, to be equipped with an electronic recording device; and introduce a manufacturing standard (in lock-step with the United States) requiring all new heavy trucks to be equipped with a roll stability system." In addition, the Alliance wants all Canadian provinces and U.S. states to follow Ontario's and Quebec's lead by requiring truck speed limiters.

Boat

Ship transport is possible along coastal waters and in large rivers and has been used for almost all foreign imports except from Canada. The thing about ships is that each carries a lot of oil and many of the largest spills in history are from boats, such as the Exxon Valdez.

Most important is ship boat incidents have an immediate effect on aquatic ecosystems. Better modern technologies to detect water depth and nearby boats is needed. Human error needs to be better removed from this equation.

Pipeline

The most controversial transport mode is pipeline, mainly because of the Keystone XL debate and the recent ruptures. The industry points to the generally good safety record in terms of percentages. Among oil pipeline workers, the rate of hospitalization was 30 times lower compared to rail workers involved in transporting oil, and 37 times lower than for road transport, between 2005 and 2009, the latest period of data available from the Frasier Institute.

But pipeline spills are inevitable. About 280 pipeline spills occur each year in the United States that are deemed "significant" by the U.S. Department of Transportation (DOT). Significant is defined as involving a fatality or injury requiring in-patient hospitalization, $50,000 or more in costs (measured in 1984 dollars), a highly volatile liquid releases of more than 5 barrels or other liquid releases of more than 50 barrels, or a liquid releases that result in a fire or explosion.

Again, you'll notice that these measures are in human health and property damage, not environmental effects. Environmental impacts are difficult to estimate and, in almost all cases, are not even attempted.

Conclusion

In the end, all of these transportation modes can be made safer if stricter regulatory controls and modern technologies are in place, but the questions remain - can we make the industry comply, and which methods do we want to invest in?

With oil production increasing, the number of refineries decreasing, and capacity concentrating in ever fewer places, pipeline transport is not going to decrease. And there seems no better alternative. P&GJ

Rate enhancements also made to flagship traditional variable annuity product suite

LANSING, Mich.--(BUSINESS WIRE)--
Jackson National Life Insurance Company® (Jackson®), the main operating subsidiary of Jackson Financial Inc.¹ (NYSE: JXN), today launched Jackson Market Link Pro® 4 (JMLP4) and Jackson Market Link Pro Advisory® 4 (JMLPA4), further strengthening Jackson’s suite of registered index-linked annuities (RILAs). JMLP4 (commission-based) and JMLPA4 (fee-based) provide clients the potential to grow assets before and during retirement while offering different degrees of protection, including full principal protection, against unexpected market events. Additionally, Jackson recently made improvements to its flagship traditional variable annuity (VA) product suite, delivering enhanced value and flexibility to financial professionals and their clients.

“Jackson continues our focus on expanding retirement planning options for financial professionals and their clients with these enhancements to our RILA and traditional VA product suites,” said Alison Reed, EVP, Head of Distribution, Jackson National Life Distributors LLC (JNLD), the marketing and distribution business of Jackson. “By being the first in the industry to introduce the Dow Jones Industrial Average (DJIA) as an index option with a RILA, offering clients the ability to add funds to an existing contract and adding a guaranteed cap crediting method that locks in rates for six premium years, we’re empowering clients with more choice and confidence in their investment strategies.”

JMLP4 and JMLPA4 enhancements include the following:

• DJIA Index Option: The addition of the DJIA as an index option provides clients with another avenue to invest their funds in accordance with their unique values and investment preferences and is now available alongside the S&P 500, Russell 2000, Nasdaq-100, MSCI EAFE and MSCI Emerging Markets. Jackson will not restrict which index options can be selected with each crediting method or protection option, enabling clients to adjust their allocations without triggering unwanted tax consequences and invest in what aligns with their priorities².

• Flexible Premiums: JMLP4 and JMLPA4 are the first RILA products offered at Jackson designed to allow flexible premiums. This feature allows clients to add funds to an existing contract without submitting a new application, providing a more streamlined and convenient way to invest additional assets.
  
• Guaranteed Cap Crediting Method³: Clients can lock in a cap rate removing any concern with what the renewal rate will be for the entire guarantee period, which is the first six premium years. This feature is only available on the 1- and 3-year terms with a 10% buffer.

• Full or Partial Performance Lock: With a performance lock, clients can choose to lock in all (full performance lock) or a portion (partial performance lock) of their interim value at any point during the index account option term. In practice, the value at the lock-in point moves to a performance lock holding account where amounts earn a declared rate of interest until the next premium allocation anniversary⁴, when it can be reallocated.

• Rate Enhancement Option⁵: At contract issue, for an additional charge, consumers can elect a rate enhancement option on all available terms, crediting methods, and protection options, providing the opportunity for greater growth.

In addition to these enhancements, Jackson’s JMLP RILA suite offers the following competitive features:

• Full Principal Protection: The JMLP4 suite offers a 100% buffer (30% buffer in New York) protection option for the 1-year cap, 3-year cap, 6-year cap and 1-year performance trigger crediting methods, in addition to 10% and 20% options. The level of protection depends on the crediting method selected⁶.

• Flexible Index Account Option Terms: Jackson offers 1-year, 3-year and 6-year index account option terms⁷. Any gains or losses in the tracked index(es) (described above) are calculated at the end of the term, and the contract value is adjusted accordingly.

• Multiple Crediting Methods: Jackson offers a diverse menu of crediting methods that allows consumers the ability to customize their contract both in terms of growth potential and protection level. In addition to the guaranteed cap crediting method, Jackson offers three additional crediting methods – cap, performance boost⁸ and performance trigger.

• Enhancements to Extended Care⁹ and Terminal Illness¹⁰ Waivers: Beginning with JMLP4, there is no limit on the frequency of withdrawals that can be made utilizing these waivers and no cap on the amount of money that can be withdrawn.

• Legacy and Cost Control: Through the built-in death benefit¹¹ — available at no additional charge — clients can help protect their retirement assets against market downturns while providing a legacy for beneficiaries. Additionally, with no annual contract fees¹², more investable assets remain in clients’ contracts.

Jackson also recently announced the following enhancement to its suite of VAs as well as a series of fund changes.

• Guaranteed Withdrawal Rates: Jackson has increased Single Life and Joint Life Guaranteed Annual Withdrawal Amount Percentages (GAWA%) across multiple options within its Flex Suite of living benefits and New York Flex Suite of living benefit options, including Flex Core, Flex Net Core, Flex DB Core, and Flex Plus.

“As market conditions and client needs continue to evolve, Jackson is enhancing our industry leading variable annuity lineup to provide financial professionals and their clients with more options and flexibility,” said Brian Sward, EVP, Head of Product Solutions, JNLD. “These enhancements reinforce our commitment to delivering value across a broad range of market environments and reflect Jackson’s ongoing dedication to providing products that support personalized strategies and long-term financial success.”

Financial professionals who would like to learn more about Jackson’s recent product enhancements can contact the company at 1-800-711-7397, connect with their local wholesaler or visit http://www.jackson.com/financial-professional.

ABOUT JACKSON

Jackson® (NYSE: JXN) is committed to helping clarify the complexity of retirement planning—for financial professionals and their clients. Through our range of annuity products, financial know-how, history of award-winning service* and streamlined experiences, we strive to reduce the confusion that complicates retirement planning. We take a balanced, long-term approach to responsibly serving all our stakeholders, including customers, shareholders, distribution partners, employees, regulators and community partners. We believe by providing clarity for all today, we can help drive better outcomes for tomorrow. For more information, visit www.jackson.com.

*SQM (Service Quality Measurement Group) Call Center Awards Program for 2004 and 2006-2025. (Criteria used for Call Center World Class FCR Certification is 80% or higher of customers getting their contact resolved on the first call to the call center (FCR) for three consecutive months or more.)

Jackson® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York).

SAFE HARBOR STATEMENT

The information in this press release contains forward-looking statements about future events and circumstances and their effects upon revenues, expenses and business opportunities. Generally speaking, any statement in this release not based upon historical fact is a forward-looking statement. Forward-looking statements can also be identified by the use of forward-looking or conditional words, such as “could,” “should,” “can,” “continue,” “estimate,” “forecast,” “intend,” “look,” “may,” “expect,” “believe,” “anticipate,” “plan,” “predict,” “remain,” “future,” “confident” and “commit” or similar expressions. In particular, statements regarding plans, strategies, prospects, targets and expectations regarding the business and industry are forward-looking statements. They reflect expectations, are not guarantees of performance and speak only as of the dates the statements are made. We caution investors that these forward-looking statements are subject to known and unknown risks and uncertainties that may cause actual results to differ materially from those projected, expressed, or implied. Other factors that could cause actual results to differ materially from those in the forward-looking statements include those reflected in Part I, Item 1A. Risk Factors and Part II, Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations in our Annual Report on Form 10-K for the year ended December 31, 2025, as filed with the U.S. Securities and Exchange Commission (the “SEC”) on February 24, 2026, and elsewhere in the Company’s reports filed with the SEC. Except as required by law, Jackson Financial Inc. does not undertake to update such forward-looking statements. You should not rely unduly on forward-looking statements.

GENERAL DISCLOSURES

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.

Annuities are long-term, tax deferred vehicles designed for retirement and are insurance contracts. Variable annuities and registered index-linked annuities involve investment risks and may lose value. 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.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York. 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 or Jackson National Life Insurance Company of New York.

REGISTERED INDEX-LINKED ANNUITY (RILA) DISCLOSURES

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 is contained in the current contract prospectus at Jackson.com/ProspectusJMLP4NY for the Jackson Market Link Pro 4 (New York) prospectus, Jackson.com/ProspectusJMLP4 for the Jackson Market Link Pro 4 prospectus, Jackson.com/ProspectusJMLPA4NY for the Jackson Market Link Pro Advisory 4 (New York) prospectus or Jackson.com/ProspectusJMLPA4 for the Jackson Market Link Pro Advisory 4 prospectus.

The “S&P 500®” and the “Dow Jones Industrial Average®” (the “Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Jackson National Life Insurance Company (“Jackson”) and Jackson National Life Insurance Company of New York (“Jackson of NY”). S&P 500®, SPX®, SPY®, US 500™, The 500™, iBoxx®, iTraxx®, CDX®, The Dow®, DJIA®, and Dow Jones Industrial Average® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Jackson and Jackson of NY. Jackson’s products are not sponsored or sold by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products, nor do they have any liability for any errors, omissions, or interruptions of the indices.

The Jackson Market Link Pro Suite has been developed solely by Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York. These products are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the Russell® 2000 (the “Index”) vest in the relevant LSE Group company which owns the index. Russell® is a trademark of relevant LSE Group company and is used by other LSE Group company under license.

The index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the index or (b) investment in or operation of the Jackson Market Link Pro Suite. The LSE Group makes no claim, prediction, warranty or representation as to the results to be obtained from the Jackson Market Link Pro Suite or the suitability of the Index for the purpose to which it is being put by Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York.

The Product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Contract contains a more detailed description of the limited relationship MSCI has with Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York and any related Products.

Nasdaq®, Nasdaq-100®, Nasdaq-100 Index®, and NDX® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Jackson National Life Insurance Company® (“Jackson”) and Jackson National Life Insurance Company of New York (“Jackson of NY”). The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Registered index-linked annuities (contract form numbers ICC25 RILA310, ICC25 RILA310-CB1, ICC25 RILA312, ICC25 RILA312-CB1, ICC25 RILA315, ICC25 RILA315-FB1, ICC25 RILA317, ICC25 RILA317-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (contract form numbers RILA310NY, RILA310NY-CB1, RILA312NY, RILA312NY-CB1, RILA315NY, RILA315NY-FB1, RILA317NY, RILA317NY-FB1) by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York) and distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These products have limitations and restrictions, including withdrawal charges or market value adjustments. Market value adjustments are not applied in New York. Jackson issues other annuities with similar features, benefits, limitations and charges. Discuss them with your financial professional or contact Jackson for more information.

VARIABLE ANNUITY DISCLOSURES

This material is authorized for use only when preceded or accompanied by the current contract prospectus and underlying fund prospectuses. Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. This and other important information are contained in the current contract prospectus and underlying fund prospectuses. Please read the prospectuses carefully before investing or sending money.

On the contract anniversary on or immediately following the designated life’s attained age 59½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the designated life is age 59½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.

The latest income date allowed on variable annuity contracts is age 95, which is the required age to annuitize or take a lump sum.

Add-on benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.

Variable annuities (contract form numbers VA775, VA775-CB1, VA775-RLC, ICC18 VA775, ICC18 VA775-CB1, ICC18 VA775-RLC, VA710, VA710-CB1, ICC19 VA710, ICC19 VA710-CB1, VA720, VA720-CB1, ICC19 VA720, ICC19 VA720-CB1, VA790, VA790-FB1, ICC17 VA790, ICC17 VA790-FB1, VA670, VA670-CB1, ICC19 VA670, ICC19 VA670-CB1, VA680, VA680-CB1, ICC19 VA680, ICC19 VA680-CB1, VA785, VA785-FB1, ICC18 VA785, ICC18 VA785-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (contract form numbers VA775NY, VA775NY-CB1, VA790NY, VA790NY-FB1, VA670NY, VA670NY-CB1, VA785NY, VA785NY-FB1) by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Variable products are distributed by Jackson National Life Distributors LLC, member FINRA. These contracts have limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or contact Jackson for more information.

Products and features may be limited by state availability, and/or your selling firm’s policies and regulatory requirements (including standard of conduct rules).

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Source: Jackson Financial Inc.