Jackson Adds New Subaccounts and Fund Managers to Elite Access Variable Annuity

  Jackson Adds New Subaccounts and Fund Managers to Elite Access Variable
  Annuity

Business Wire

DENVER -- April 29, 2013

Jackson National Life Insurance Company^® (Jackson^®), a leading provider of
retirement solutions and educational resources for industry professionals and
consumers, is adding several options to its Elite Access^® variable annuity
(VA) investment platform, including more than 20 new subaccounts and seven new
fund managers. The offerings will provide investors and financial
professionals with access to new strategies and investments – both alternative
and traditional – including international opportunities and additional
guidance portfolio options through Curian Capital^®, LLC (Curian), Jackson’s
retail asset management subsidiary.

Launched by Jackson in March of last year, Elite Access is a VA designed to
offer the opportunity for greater portfolio diversification^1 through the
utilization of both traditional and alternative asset classes in a
tax-efficient vehicle^2. Elite Access combines a robust lineup of investment
options, risk management and tactical management to deliver an innovative
approach to help address market volatility and provide the potential for
higher returns with less risk^3. The product also allows financial
professionals to create personalized portfolios for their clients and manage
each portfolio through a customized investment platform.

“Jackson has built great momentum with Elite Access due to our ability to
effectively combine traditional and alternative asset classes into a product
available for retail investors,” said Clifford Jack, executive vice president
and head of retail for Jackson. “With several new subaccount options to choose
from, advisors can help their clients find a combination of investments and
strategies that help address their individual financial goals and develop
diversified retirement plans.”

Jackson performed strongly during 2012, delivering record IFRS profits^4 and
record sales, Jack said. The company’s 2012 VA sales totaled $19.7 billion,
compared to $17.5 billion during 2011. Elite Access contributed more than $1.3
billion to Jackson’s VA sales total during 2012.

“At Jackson, we continue to bolster our already stringent due diligence
process, seeking the highest quality investment managers across the globe to
provide access to international markets and traditional and alternative
funds,” said Jack.

Elite Access offers advisors and investors the option of creating their own
portfolios or leveraging strategies built by leading third-party managers,
including Curian, BlackRock^® and Ivy Investment Management Company.

The newest Curian Guidance Portfolios^SM, which include both focused and
diversified options, are designed to address a risk spectrum from conservative
to the potential for maximum growth:

  *Curian Guidance – Growth
  *Curian Guidance – Institutional Alt 100 Conservative
  *Curian Guidance – Institutional Alt 100 Growth
  *Curian Guidance – International Opportunities Conservative
  *Curian Guidance – International Opportunities Moderate
  *Curian Guidance – International Opportunities Growth

In addition, the following new funds are designed to address low and rising
interest rates or inflationary periods:

  *Curian Guidance – Interest Rate Opportunities
  *Curian Guidance – Multi-Strategy Income
  *Curian Guidance – Real Assets

Elite Access now includes 18 alternative investment options, including managed
futures, commodities, listed private equity, global infrastructure and
convertible arbitrage that provide enhanced diversification potential. New
alternative funds added to Elite Access include:

  *Curian/BlackRock Global Long Short Credit
  *Curian/Eaton Vance Global Macro Absolute Return Advantage
  *Curian Long Short Credit
  *Curian/UBS Global Long Short Income Opportunities
  *Curian/Urdang International REIT

Elite Access also includes several traditional investment options from
well-known, reputable active managers, such as American Funds, Franklin
Templeton, J.P. Morgan and T. Rowe Price, that encompass a wide variety of
investment styles and strategies. More than half of the investment options now
available in Elite Access are traditional investments, providing an array of
more than 50 options ranging from large-cap to micro-cap companies, with
several focused on international opportunities. New traditional funds added to
Elite Access include:

  *Curian/Aberdeen Latin America
  *Curian/Ashmore Emerging Market Small Cap Equity
  *Curian/Baring International Fixed Income
  *Curian/Lazard International Strategic Equity
  *Curian/Schroder Emerging Europe
  *JNL/Franklin Templeton Income
  *JNL/Mellon Capital Utilities Sector

New fund managers in Elite Access include:

  *Aberdeen Asset Managers Limited
  *Ashmore EMM, L.L.C.
  *Baring International Investment Limited
  *Eaton Vance Investment Managers
  *Schroder Investment Management North America Inc.
  *UBS Global Asset Management (Americas) Inc.
  *Urdang Securities Management, Inc.

In 2012, Jackson hosted hundreds of events to help educate advisors on how to
effectively utilize alternative asset classes and confidently explain them to
their clients. This year, Jackson has launched a more ambitious educational
campaign to further support advisors and ensure they are comfortable with the
nuances of the investment options available to them through the Elite Access
platform, said Jack.

Financial professionals who wish to learn more about Elite Access and
investing in alternatives can visit Elite-Access.com. To learn about the
support offered by the company’s wholesaling and marketing team and the
optional features and benefits available within Jackson’s variable annuity
products, financial professionals can also contact Jackson at 800/711-JNLD
(5653) or visit www.jackson.com.

Before investing, investors should carefully consider the investment
objectives, risks, charges and expenses of the product, including its
underlying investment options. The current prospectus provides this and other
important information. Please contact your representative or the Company to
obtain the prospectus(es). Please read the prospectus(es) carefully before
investing or sending money.

1.Diversification does not assure a profit or protect against loss in a
    declining market. Portfolios that have a greater percentage of
    alternatives may have greater risks, especially those including arbitrage,
    currency, leveraging and commodities. This additional risk can offset the
    benefit of diversification.
2.Tax deferral offers no additional value if an annuity is used to fund a
    qualified plan, such as a 401(k) or IRA, and may be found at a lower cost
    in other investment products. It also may not be available if the annuity
    is owned by a “nonnatural person” such as a corporation or certain types
    of trusts.
3.Source: From 6/30/2002 – 6/30/2012, an equal-weighted average of 506
    University Endowments returned 6.2%, compared to the S&P 500 Index average
    return of 5.3%. 2012 NACUBO Endowment Study, Annual Report of the National
    Association of College and University Business Officers of Endowment
    Performance and Management in Higher Education, 2013. The S&P 500 Index is
    unmanaged and not available for direct investment. Past performance is no
    guarantee of future results.
4.International Financial Reporting Standards (IFRS) is a principles-based
    set of international accounting standards indicating how transactions and
    other events should be reported in financial statements. IFRS is issued by
    the International Accounting Standards Board in an effort to increase
    global comparability of financial statements and results. Jackson’s
    parent, Prudential plc, uses IFRS to report the Group's financial results.

About Jackson

Jackson is a leading provider of retirement solutions for industry
professionals and their clients. The company offers a diverse range of
products including variable, fixed and fixed index annuities designed for
tax-efficient accumulation and distribution of retirement income for retail
customers, and fixed income products for institutional investors. Jackson
subsidiaries and affiliates provide specialized asset management and retail
brokerage services. With $165.4 billion in assets*, Jackson prides itself on
product innovation, sound corporate risk management practices and strategic
technology initiatives. Focused on thought leadership and education, the
company develops proprietary research, industry insights and financial
representative training on retirement planning and alternative investment
strategies. Jackson is also dedicated to corporate social responsibility and
supports charities focused on helping children and seniors in the communities
where its employees live and work. For more information, visit
www.jackson.com.

Jackson is the marketing name for Jackson National Life Insurance Company^®,
Jackson National Life Insurance Company of New York^® and Jackson National
Life Distributors LLC.

*Jackson has $165.4 billion in total IFRS assets and $150.9 billion in IFRS
policy liabilities primarily set aside to pay future policyowner benefits (as
of 12/31/12).

Jackson National Life Insurance Company is an indirect subsidiary of
Prudential plc, a company incorporated and with its principal place of
business in the United Kingdom. Prudential plc and its affiliated companies
constitute one of the world's leading financial service groups. It provides
insurance and financial services directly and through its subsidiaries and
affiliates throughout the world. It has been in existence for 165 years and
had more than $658 billion in assets under management as of Dec. 31, 2012.
Prudential plc is not affiliated in any manner with Prudential Financial,
Inc., a company whose principal place of business is in the United States of
America.

Although asset allocation among different asset categories generally limits
risk and exposure to any one category, the risk remains that management may
favor an asset category that performs poorly relative to the other asset
categories. The subaccounts expect to invest in positions that emphasize
alternatives or nontraditional asset classes or investment strategies and, as
a result, are subject to the risk factors of those asset classes. Some of
those risks include general economic risk, geopolitical risk, commodity-price
volatility, counterparty and settlement risk, currency risk, derivatives risk,
emerging markets risk, foreign securities risk, high-yield bond exposure,
noninvestment-grade bond exposure, index investing risk, industry
concentration risk, leveraging risk, market risk, prepayment risk, liquidity
risk, real estate investment risk, sector risk, short sales risk, temporary
defensive positions and large cash positions.

Variable annuities are long-term, tax-deferred investments designed for
retirement, involve investment risks and may lose value. Earnings are taxable
as ordinary income when distributed and may be subject to a 10% additional tax
if withdrawn before age 59½.

The investment companies (subaccounts) offered in Elite Access are registered
as investment companies under the Investment Company Act of 1940, as amended
(“1940 Act”), and their shares are registered under the Securities Act of
1933, as amended. There are many differences among 1940 Act registered
subaccounts and unregistered hedge funds, including but not limited to
liquidity, restrictions on leverage and diversification, fund reporting and
transparency, fees, and availability.

International investing involves special risks, such as exposure to
potentially adverse local political and economic developments, nationalization
and exchange controls, potentially lower liquidity and higher volatility,
possible problems arising from accounting, disclosure, settlement and
regulatory practices that differ from U.S. standards, and the chance that
fluctuations in foreign exchange rates will decrease the investment’s value.

The latest income date allowed is age 95, which is the required age to
annuitize or take a lump sum. Please see the prospectus for important
information regarding the annuitization of a contract.

The standard death benefit is equal to contract value on the date of the claim
and does not include any additional guarantees.

Curian Capital^® is a registered investment advisor and affiliate of Jackson
National Life Distributors LLC.

Elite Access Fixed and Variable Annuity (VA650, VA 660) is issued by Jackson
National Life Insurance Company (Home Office: Lansing, Michigan) and in New
York (VA650NY, VA 660NY) by Jackson National Life Insurance Company of New
York (Home Office: Purchase, New York). Variable annuities are distributed by
Jackson National Life Distributors LLC, member FINRA. May not be available in
all states, and state variations apply. This product has limitations and
restrictions, including withdrawal charges and excess interest adjustments
(interest rate adjustments in New York) where applicable. Jackson issues other
variable annuities with similar features, benefits, limitations and charges.
Discuss them with your representative or contact Jackson for more information.

Contact:

Jackson National Life Insurance Company
Corporate Communications
Melissa Hernandez
Senior Media Relations Specialist
Phone: 303-224-7572
Email: melissa.hernandez@jackson.com
 
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