The date of this prospectus is April 29, 2024. This prospectus states the information about the Separate Account, the Contract, and Jackson National Life Insurance Company (“Jackson®”) you should know before investing. This prospectus is a disclosure document and describes all of the Contract’s material features, benefits, rights, and obligations. The description of the Contract’s material provisions in this prospectus is current as of the date of this prospectus. If certain material provisions under the Contract are changed after the date of this prospectus, in accordance with the Contract, those changes will be described in a supplemented prospectus. You should carefully read this prospectus in conjunction with any applicable supplements. It is important that you also read the Contract and endorsements, which may reflect additional non-material state variations or other non-material variations. This information is meant to help you decide if the Contract will meet your needs. Please carefully read this prospectus and any related documents and keep everything together for future reference. Additional information about the Separate Account can be found in the Statement of Additional Information (“SAI”) dated April 29, 2024 that is available upon request without charge. To obtain a copy, contact us at our:

GLOSSARY			1
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT			3
OVERVIEW OF THE CONTRACT			5
FEES AND EXPENSES TABLES			7
Transaction Expenses			7
Annual Contract Expenses			7
Annual Fund Expenses			8
EXAMPLE			8
FINANCIAL STATEMENTS			9
THE ANNUITY CONTRACT			9
JACKSON			10
THE GMWB FIXED ACCOUNT			10
THE SEPARATE ACCOUNT			10
INVESTMENT DIVISIONS AND FUNDS			11
Voting Rights			12
Substitution			12
PRINCIPAL RISKS			12
BENEFITS AVAILABLE UNDER THE CONTRACT			14
CONTRACT CHARGES			23
TRANSACTION EXPENSES			23
Withdrawal Charge			23
Commutation Fee			24
Transfer Fee			24
Expedited Delivery Charge			24
Wire Transfer Charge			24
Premium Taxes			24
Income Taxes			25
Other Expenses			25
ANNUAL CONTRACT EXPENSES			25
Annual Contract Maintenance Charge			25
Mortality and Expense Risk Charge			25
Administration Charge			25
OPTIONAL BENEFIT EXPENSES			25
7% Guaranteed Minimum Withdrawal Benefit (“SafeGuard 7 Plus”) Charge			26
Guaranteed Minimum Withdrawal Benefit With 5-Year Step-Up (“SafeGuard Max”) Charge			26
5% Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“AutoGuard 5”) Charge			27
6% Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“AutoGuard 6”) Charge			27
5% Guaranteed Minimum Withdrawal Benefit Without Step-Up (“MarketGuard 5”) Charge			28
5% For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Advantage”) Charge			28
For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“LifeGuard Ascent”) Charge			29

Joint For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“LifeGuard Ascent with Joint Option”) Charge			30
For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom GMWB”) Charge			31
Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom GMWB With Joint Option”) Charge			31
For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom 6 GMWB”) Charge			32
Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom 6 GMWB with Joint Option”) Charge			33
For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (“LifeGuard Select”) Charge			34
Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (“LifeGuard Select with Joint Option”) Charge			35
FUND EXPENSES			36
DISTRIBUTION OF CONTRACTS			36
PURCHASES			38
Minimum Initial Premium			38
Minimum Additional Premiums			38
Allocations of Premium			38
Capital Protection Program			38
Accumulation Units			39
TRANSFERS AND FREQUENT TRANSFER RESTRICTIONS			39
Restrictions on Transfers: Market Timing			40
TELEPHONE AND INTERNET TRANSACTIONS			41
The Basics			41
What You Can Do and How			41
What You Can Do and When			41
How to Cancel a Transaction			41
Our Procedures			41
ACCESS TO YOUR MONEY			41
Guaranteed Minimum Withdrawal Benefit Considerations			42
Guaranteed Minimum Withdrawal Benefit Important Special Considerations			43
7% Guaranteed Minimum Withdrawal Benefit (“SafeGuard 7 Plus”)			43
Guaranteed Minimum Withdrawal Benefit With 5-Year Step-Up (“SafeGuard Max”)			47
5% Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“AutoGuard 5”)			52
6% Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“AutoGuard 6”)			56
5% Guaranteed Minimum Withdrawal Benefit Without Step-Up (“MarketGuard 5”)			60
5% For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Advantage”)			63
For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“LifeGuard Ascent”)			70
Joint For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up (“LifeGuard Ascent With Joint Option”)			77
For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom GMWB”)			84
Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom GMWB With Joint Option”)			95
For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom 6 GMWB”)			106
Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (“LifeGuard Freedom 6 GMWB With Joint Option”)			116

For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (“LifeGuard Select”)			126
Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (“LifeGuard Select With Joint Option”)			138
Systematic Withdrawal Program			152
Suspension of Withdrawals or Transfers			152
INCOME PAYMENTS (THE INCOME PHASE)			152
Income Payments from Investment Divisions			153
Income Options			154
DEATH BENEFIT			154
Death of Owner Before the Income Date			154
Earnings Protection Benefit (“EarningsMax”)			156
Special Spousal Continuation Option			157
Death of Owner On or After the Income Date			157
Death of Annuitant			157
TAXES			158
Contract Owner Taxation			158
Tax-Qualified and Non-Qualified Contracts			158
Non-Qualified Contracts - General Taxation			158
Non-Qualified Contracts – Aggregation of Contracts			158
Non-Qualified Contracts – Withdrawals and Income Payments			158
Non-Qualified Contracts – Required Distributions			159
Non-Qualified Contracts - 1035 Exchanges			159
Tax-Qualified Contracts – Withdrawals and Income Payments			159
Withdrawals – Tax-Sheltered Annuities			159
Withdrawals – Roth IRAs			160
Extension of Latest Income Date			160
Death Benefits			160
Assignment			160
Diversification			160
Owner Control			160
Withholding			160
Annuity Purchases by Nonresident Aliens and Foreign Corporations			161
Definition of Spouse			161
Transfers, Assignments or Exchanges of a Contract			161
Tax Law Changes			161
Jackson Taxation			161
OTHER INFORMATION			163
Dollar Cost Averaging			163
Dollar Cost Averaging Plus (DCA+)			163
Earnings Sweep			163
Rebalancing			163
Free Look			164
Advertising			164
Restrictions Under the Texas Optional Retirement Program (ORP)			164
Modification of the Contract			164
Confirmation of Transaction			165

Delivery of Fund Reports			165
Legal Proceedings			165
Rule 12h-7 Reliance			165
APPENDIX A (Funds Available Under the Contract)			A-1
APPENDIX B (Trademarks, Services Marks, and Related Disclosures)			B-1
APPENDIX C (Selling Firm Support)			C-1
APPENDIX D (GMWB Prospectus Examples)			D-1
APPENDIX E (LifeGuard Select GMWB and LifeGuard Select with Joint Option GMWB Transfer of Assets Methodology)			E-1
APPENDIX F (GMDB Prospectus Examples)			F-1
CONTACT US			G-1
WHERE TO FIND ADDITIONAL INFORMATION			G-2

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

FEES AND EXPENSES

LOCATION IN PROSPECTUS

Charges for Early Withdrawals

If you withdraw money from your Contract within 7 Complete Years following your last Premium payment, you will be assessed a withdrawal charge. The maximum withdrawal charge is 7% of the Remaining Premium withdrawn during the first Completed Year. For example, if you make an early withdrawal within the first Completed Year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. The withdrawal charge then declines by 1% per year for each additional Completed Year, until the end of the seventh Completed Year, after which no charge is made.

Contract Charges- Transaction Charges: Withdrawal Charge

Transaction Charges

In addition to withdrawal charges, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Contract Charges- Transaction Charges

Ongoing Fees and Expenses (annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.

Contract Charges- Add-On Benefit Expenses

ANNUAL FEE

MINIMUM

MAXIMUM

1. Base Contract1

1.41%

1.41%

Contract Charges- Annual Contract Expenses

2. Investment options (Fund fees and expenses)2

0.52%

2.44%

Contract Charges- Fund Expenses

3. Optional benefits available for an additional charge (for a single optional benefit, if elected)3

0.20%

1.26%

Contract Charges- Add-On Benefit Expenses

1.As a percentage of average daily Contract Value of the Investment Divisions. 2.As a percentage of average Fund net assets. 3.The minimum fee reflects an annualized percentage of average daily account value of Investment Divisions. The maximum fee reflects an annualized percentage of the GWB.

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender (withdrawal) charges that substantially increase costs.

LOWEST ANNUAL COST: $1,958

HIGHEST ANNUAL COST: $5,512

Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Fund fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers or withdrawals

Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Fund fees and expenses •No sales charges •No additional purchase payments, transfers or withdrawals

RISKS

Location in Prospectus

Risk of Loss

You can lose money by investing in this Contract.

Principal Risks

Not a Short-Term Investment

This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 7 years following your last Premium payment. They will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon.

Principal Risks

Risks Associated with Investment Options

•An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose. •Each investment option (Investment Divisions and Fixed Account Options) has its own unique risks. •You should review the investment options before making an investment decision.

Principal Risks

Insurance Company Risks

Any obligations (including under the Fixed Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request by visiting our website at www.jackson.com or by calling 1-800-644-4565.

Principal Risks

RESTRICTIONS

Investments

•We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 25 times in a Contract Year. •Jackson may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options.

Principal Risks

Optional Benefits

•Certain benefits may limit withdrawals or other rights under the Contract. Under certain benefits, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal. •Not all optional benefits are available through all broker-dealers and may vary by state or date of purchase. •We may modify or discontinue an optional benefit at any time.

Benefits Available Under the Contracts

TAXES

Tax Implications

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract. •If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral. •Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

Taxes

CONFLICTS OF INTEREST

Investment Professional Compensation

Your financial professional or other investment professionals may receive compensation for selling this Contract to you in the form of commissions, revenue sharing, and other compensation programs. Accordingly, investment professionals may have a financial incentive to offer or recommend this Contract over another investment.

Distribution of Contracts

Exchanges

Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is in your best interest to purchase the new contract rather than continue to own your existing Contract.

Non-Qualified Contracts - 1035 Exchanges

Capital Protection Program. At no additional charge, you can elect to have us allocate enough of your Premium to the Fixed Account Option you select at issue to ensure that the amount so allocated will equal, at the end of a selected period, your total original Premium paid. Restrictions apply.

Withdrawal Charge (as a percentage of Remaining Premium)
Completed Years Since Receipt of Premium			0			1			2			3			4			5			6			7+
Base Schedule			7.0%			6.0%			5.0%			4.0%			3.0%			2.0%			1.0%			0.0%

			Minimum			Maximum
Expenses that are deducted from the Fund assets, including management and administration fees, distribution and/or service (12b-1) fees, and other expenses as of December 31, 2021.			0.52%			2.44%

If you take a total withdrawal of your Contract Value at the end of the applicable time period												If you annuitize at the end of the applicable time period												If you do not take a total withdrawal of your Contract Value
1 Year			3 Years			5 Years			10 Years			1 Year*			3 Years			5 Years			10 Years			1 Year			3 Years			5 Years			10 Years
$13,095			$23,080			$32,796			$57,946			$13,095			$18,080			$29,796			$57,946			$6,095			$18,080			$29,796			$57,946

Business Continuity and Cybersecurity Risk. We and our service providers and business partners are subject to certain risks, including those resulting from information system failures, cybersecurity incidents, public health crises such as the coronavirus (COVID-19) pandemic, and other disaster events. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers. These risks include, among other things, the theft, misuse, corruption and destruction of electronic information, interference with or denial of service, attacks on systems or websites, and other operational disruptions that could severely impede our ability to conduct our business or administer the Contract.

Such events could also adversely affect us by resulting in regulatory fines, litigation, financial losses, and reputational damage. Cybersecurity incidents may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value. Although we take efforts to protect our systems from cybersecurity incidents, there can be no assurance that we or our service providers will be able to avoid cybersecurity incidents affecting Contract owners in the future. It is also possible that a cybersecurity incident could persist for an extended period of time without detection.

Additionally, our third-party service providers and other third-parties related to our business (such as financial intermediaries or, in the case of our variable products, underlying funds) are subject to similar risks. Successful implementation and execution of their business continuity policies and procedures are largely beyond our control. Disruptions to their business operations may impair our own business operations.

As of the date of this prospectus, we do not believe that we have experienced a material cyber-attack or other cybersecurity incident. However in 2023, we were notified of a data security incident involving the MOVEit file transfer system used by numerous financial services companies. A third-party vendor uses that software on our behalf to, among other things, identify the deaths of insured persons and annuitants under life insurance policies and annuity contracts. According to that third party vendor, an unknown actor exploited a MOVEit software flaw to access the vendor’s systems and download certain data. Our assessment indicated that personally identifiable information relating to approximately 850,000 of Jackson’s customers was obtained by that unknown actor from the third party vendor’s systems. This MOVEit vulnerability has now been rectified. Separately, Jackson experienced unauthorized access to two servers as a result of the MOVEit flaw; however, the scope and nature of the data accessed on those servers was significantly less than the third party vendor impact. Our assessment was that a subset of information relating to certain partner organizations and individuals, including certain customers of Jackson, was obtained from the two affected servers. We notified affected customers as required by law, and we continue to assess and investigate the overall impact of the incidents. At this time, we do not believe the incidents or related litigation will have a material adverse effect on the business, operations, or financial results of Jackson.

DISTRIBUTION OF CONTRACTS

Jackson National Life Insurance Company (“Jackson”), located at 1 Corporate Way, Lansing, Michigan 48951, is the issuer for this Contract. Jackson National Life Distributors LLC (“JNLD”), located at 300 Innovation Drive, Franklin, Tennessee 37067, serves as the distributor of the Contracts. JNLD also serves as distributor of other variable insurance products issued by Jackson and its subsidiaries.

JNLD is a wholly owned subsidiary of Jackson. JNLD is registered as a broker-dealer with the Securities and Exchange Commission under the Securities Exchange Act of 1934 and is a member of the Financial Industry Regulatory Authority (“FINRA”). For more information on broker-dealers and their registered representatives, you may use the FINRA BrokerCheck program via telephone (1-800-289-9999) or the Internet (http://brokercheck.finra.org).

The Contracts are offered to customers of various selling firms, broker-dealers and their affiliate insurance agencies (each a “Selling Firm,” collectively “Selling Firms”). No Selling Firm has any legal responsibility to pay amounts that are owed under the Contracts. The obligations and guarantees under the Contracts are the sole responsibility of Jackson. The Selling Firms are responsible for delivery of various related disclosure documents and the accuracy of their oral description and suitable recommendation of the purchase of the Contracts.

Commissions are paid to Selling Firms that are unaffiliated with us and sell the Contracts. While commissions may vary, they are not expected to exceed 8% of any Premium payment. Where lower commissions are paid up front, trail commissions may also be paid. The Selling Firms determine the amount of the commission that will be paid to their registered representatives. The amounts paid may vary based upon the practices of each Selling Firm and may be withheld on certain transactions.

Under certain circumstances, JNLD and/or Jackson may make payments to Selling Firms in addition to commissions, in connection with the sale of Jackson and Jackson of NY variable insurance products. These payments and/or reimbursements are in recognition of marketing, distribution, and/or administrative support provided by the Selling Firm and may not be offered to all Selling Firms. The terms of these arrangements vary widely depending on, among other things, products offered; the level and type of marketing, distribution, and administrative support services provided; assets under management; the volume of sales; and the level of access we are provided to the registered representatives of the Selling Firm. Such payments may influence Selling Firms and/or their registered representatives to present the Contracts more favorably than other investment alternatives. Such compensation is subject to applicable state insurance law and regulation, FINRA rules of conduct, Securities and Exchange Commission rules, and Department of Labor (“DOL”) rules and regulations. While such compensation may be significant, it does not result in any additional direct charge by us to you beyond the standard contract charges.

Under these compensation structures, JNLD and/or Jackson may make marketing allowance payments, marketing support payments, and other administrative payments to the Selling Firms. Marketing allowance payments are payments that are designed as consideration for product placement and distribution, assets under management, and sales volume. Marketing allowance payments and marketing support payments are generally based on a fixed percentage of annual product sales and generally range from 10 to 50 basis points (0.10% to 0.50%). Other administrative payments are designed to support administrative services, distribution support, platform services, or concierge services and generally range from 45 to 75 basis points (0.45% to 0.75%). Payments may also be based on a percentage of assets under management or paid as a specified dollar amount. Marketing support payments may be in the form of cash and/or non-cash compensation to or on behalf of Selling Firms and their registered representatives and are intended to provide us with exposure to registered representatives so that we may build relationships or educate them about product features and benefits. Examples of such payments include, but are not limited to, reimbursements for representative training or “due diligence” meetings (including travel and lodging expenses); client and prospecting events; speaker fees; business development and educational

enhancement items (such as software packages containing information for broker use, or prospecting lists); sponsorship payments for participation at conferences and meetings; and other support services, including payments to third party vendors for such services. Payments or reimbursements for meetings and seminars are generally based on the anticipated level of participation and/or accessibility and the size of the audience. Subject to applicable laws and regulations including FINRA rules of conduct and DOL rules and regulations, we may also provide cash and/or non-cash compensation to registered representatives in the form of gifts, promotional items, occasional meals, and entertainment. Registered representatives may qualify for different levels of sales and service support depending on the volume of business that they do with us.

We may use any of our corporate assets to cover the cost of distribution, including any profit from the Contract’s Core Contract Charge and other charges.

The alphabetical listing below details the 20 Selling Firms that received the largest amounts of marketing allowance payments and/or marketing support payments in 2023 from JNLD and/or Jackson in relation to the sale of Jackson and Jackson of NY variable insurance products. The total payments received by a Selling Firm is based on sales of all Jackson and Jackson of NY variable insurance products, thus a Selling Firm may appear on the list even if it is not receiving any payments with respect to sales of the Contracts. Payments to these firms ranged from approximately $324 thousand to approximately $17.0 million.

LPL Financial Corporation
Morgan Stanley Smith Barney, LLC
Wells Fargo Advisors / Investments
MML Investors Services / MSI Financial Services
UBS Financial Services, Inc.
Osaic (formerly Advisor Group)
Ameriprise
Commonwealth Financial Network
Raymond James & Associates, Inc.
Cambridge Investment
Cetera Advisor Networks, LLC
State Farm
Stifel Nicolaus & Co. Inc.
Park Avenue Securities
Lincoln Financial Advisors
Transamerica Financial Services, Inc.
DPL (The Leader’s Group)
Centaurus Financial
Securian Financial Services, Inc.
Pruco Securities

Please see Appendix C for a list of Selling Firms that received amounts of marketing allowance payments and/or marketing support payments in 2023 from JNLD and/or Jackson in relation to the sale of our variable insurance products. While we endeavor to update this list on an annual basis, please note that interim changes or new arrangements may not be listed and may involve substantial payments on a forward going basis.

Compensation is also paid to employees of JNLD and/or Jackson who are responsible for providing services to Selling Firms. These employees are generally referred to as “wholesalers” and may meet with Selling Firms and/or their registered representatives to provide training and sales support. The compensation paid to the wholesalers may vary based on a number of factors, including Premium payments; types of Contracts or add-on benefits (if any) sold by the Selling Firms that the wholesaler services; wholesaler performance; and overall company performance. The wholesaler may be required to achieve internally-assigned goals related to the same type of factors and may receive bonus payments for the achievement of individual and/or company-wide goals.

JNLD also has relationships with the sub-advisers to the various underlying Funds and their affiliates. JNLD receives payments from some sub-advisers to assist in defraying the costs of certain promotional and marketing meetings in which the sub-advisers participate. The amounts paid depend on the nature of the meetings, the number of meetings attended, the costs expected to be incurred and the level of the sub-adviser’s participation. Our affiliated Selling Firms may have other relationships with the sub-advisers (apart from Jackson) including selling retail mutual funds managed or advised by certain sub-advisers.

All of the compensation described here, and other compensation or benefits provided by JNLD and/or Jackson or our affiliates, may be greater or less than the total compensation on similar or other products. The amount and/or structure of the compensation can create a conflict of interest as it may influence your Selling Firm and registered representative to present this Contract over other investment alternatives. The variations in compensation, however, may also reflect differences in sales effort or ongoing customer services expected of the Selling Firm and registered representative. You may ask your registered representative about any variations and how he or she and his or her Selling Firm are compensated for selling the Contract.

We sell Jackson products for which Jackson National Asset Management (“JNAM”) is the advisor. JNAM also serves as the administrator for some sub-accounts. JNLD and JNAM are both subsidiaries of Jackson and have the same ultimate parent company, Jackson Financial Inc. JNLD earns fees associated with its role in distributing JNAM sub-accounts. JNAM also earns fees from the variable annuity contract values that are invested in its various sub-accounts.

The Basics. You can request certain transactions by telephone or at www.jackson.com , subject to Jackson’s right to terminate electronic or telephone transfer privileges, as described above For information about your account, please contact our Customer Care Center. We require that you provide proper identification before performing transactions over the telephone or online.

What You Can Do and How. You may make transfers by telephone or online unless you elect not to have this privilege. Any authorization given via an application, the Jackson website, or through other means to Jackson shall be deemed authorization by you for Jackson to accept transaction instructions, including Investment Division transfers/allocations, by you or your financial professional unless we are notified by you to the contrary. To notify Jackson, please call us at the Customer Care Center. Our contact information is on the cover page of this prospectus and the number is referenced in your Contract or on your quarterly statement. We reserve the right to discontinue this privilege or implement additional limitations.

Our Procedures. Jackson has procedures that are designed to provide reasonable assurance that telephone or any other electronic authorizations are genuine. Our procedures include requesting identifying information and recording telephone communications, and other specific details. Jackson and its affiliates disclaim all liability for any claim, loss or expense resulting from any alleged error or mistake in connection with a transaction requested by telephone or other electronic means which was not authorized by you. However, if Jackson fails to employ reasonable procedures to ensure that all requested transactions are properly authorized, we may be held liable for such losses.

• If you will reach age 73 on or after January 1, 2033, distributions under qualified plans and Tax-Sheltered Annuities will be required to begin by the later of the calendar year in which you attain age 75 or the calendar year in which you retire.