Notice Dated April 28, 2025

PERSPECTIVE INVESTOR®

INDIVIDUAL FLEXIBLE PREMIUM ADJUSTABLE VARIABLE LIFE INSURANCE POLICY

Issued by

Jackson National Life Insurance Company® through

Jackson National Separate Account IV

This Notice Document (“Notice”) provides certain updated information about your Perspective Investor Individual Flexible Premium Adjustable Variable Life Insurance Policy contract (“Contract”), which is no longer available for purchase.

Jackson National Life Insurance Company (“Jackson”) is providing this Notice in lieu of an updated prospectus for the Contract in reliance on the Securities and Exchange Commission’s position on modernized alternative disclosures for discontinued variable life offerings. Updated audited financial statements for Jackson and for Jackson National Separate Account IV (“Separate Account”) are available, free of charge, at www.jackson.com/product-literature-9.html. In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Contract (“Funds”) are available, free of charge, at the same website address as above. To request a free paper or e-mail copy of any of these materials, please call 1-800-644-4565 or send an email request to customercare@jackson.com.

Your Contract prospectus dated April 29, 2013 contains more information about the Contract’s features, benefits, and risks.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at www.Investor.gov.

TABLE OF CONTENTS
DEFINITIONS			1
UPDATED INFORMATION ABOUT YOUR CONTRACT			2
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT			3
APPENDIX A (FUNDS AVAILABLE UNDER THE CONTRACT)			A-1
BACK COVER PAGE			B-1

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DEFINITIONS

Fixed Account – an allocation option under the policy that earns an annually declared rate of interest of not less than 3%. Assets allocated to the Fixed Account are part of our general account.

Fund – a registered investment company in which an Investment Division of the Separate Account invests.

Investment Division – separate and distinct divisions of the Separate Account, each of which invests in a single Underlying Mutual

Fund. The value in the Investment Divisions will go up or down depending on the performance of the underlying mutual funds and

the charges deducted from the Investment Divisions.

Separate Account – Jackson National Life Separate Account IV, the segregated asset account of Jackson that funds the policies.

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UPDATED INFORMATION ABOUT YOUR CONTRACT

The information in this Notice Document is a summary of certain Contract features that have changed since the Notice Document dated October 21, 2024. This may not reflect all of the changes that have occurred since you entered into your Contract.

Fund Changes

Effective April 28, 2025, the following changes were made to the Funds available under the Contract:

New Funds

1.JNL/Mellon World Index Fund

Merged Funds

1.JNL/Western Asset Global Multi-Sector Bond Fund merged into the JNL/Neuberger Berman Strategic Income Fund

2.JNL/Harris Oakmark Global Equity Fund merged into the JNL/Mellon World Index Fund

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IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

FEES AND EXPENSES

LOCATION IN PROSPECTUS

Charges for Early Withdrawals

If you withdraw premium from your Contract within 9 years following the premium payment, you may be assessed a surrender charge. The maximum surrender charge is 1.588% of the amount of premium withdrawn. For example, if you make a full surrender during the first year after issue of your policy, you could pay a surrender charge of up to $1,588 on a $100,000 investment. The surrender charge then gradually declines each year, until the 9th year, after which no surrender charge is assessed.

Charges and Deductions - Surrender Charge

Transaction Charges

In addition to surrender charges, you also may be charged for other transactions, such as when premium is allocated, when you transfer cash value between investment options more than 15 times in a Policy Year, each time you request an in-force illustration in excess of one per Policy Year, if a transaction under your policy requires underwriting approval after the Commencement Date, when you make a partial surrender, when you request an expedited delivery of surrender, partial surrender, or loan proceeds, In addition, for policies sold in certain states, you may be charged for premium taxes.

Charges and Deductions

Ongoing Fees and Expenses (annual charges)

In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the policy specifications page of their Contract for rates applicable to their Contract. Investors will also bear expenses associated with the Portfolio Companies under the Contract, as shown in the following table:

Charges and Deductions

ANNUAL FEE

MINIMUM

MAXIMUM

1. Investment options (Fund fees and expenses)1

0.22%

1.68%

Charges and Deductions

1.As a percentage of average Fund net assets.

RISKS

LOCATION IN PROSPECTUS

Risk of Loss

You can lose money by investing in this Contract.

Summary - Risks of the Policy

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 9 years following your last premium payment. To the extent they apply, 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.

Summary - Risks of the Policy

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 (including the Fixed Account) has its own unique risks. •You should review the investment options before making an investment decision.

Summary - The Underlying Mutual Funds and Associated Risks

Insurance Company Risks

Any obligations (including under the Fixed Account), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request from Jackson by calling 1-800-644-4565.

The Fixed Account

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Contract Lapse

Your contract could lapse and terminate without value if your policy’s cash surrender value becomes too low to support the policy’s monthly charges. There may be a cost associated with reinstating a lapsed contract and the payability of death benefits may be impacted in the event of the contract lapsing.

Summary - Risks of the Policy

RESTRICTIONS

Investments

•We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 15 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.

Charges and Deductions

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.

Policy Benefits and Rights

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.

Federal Tax Considerations

CONFLICTS OF INTEREST

Investment Professional Compensation

Your registered representative 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 Policies

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.

Distribution of Policies

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APPENDIX A

FUNDS AVAILABLE UNDER THE CONTRACT

The following is a list of Funds (all Class I shares, with the exception of the JNL/Goldman Sachs 4 Fund, which uses Class A shares) available under the Contract, which is subject to change, as discussed in the prospectus. Certain broker-dealers selling the Contracts may limit the Investment Divisions that are available to their customers. You can find the prospectuses and other information about the Funds online at https://www.jackson.com/fund-literature.html. You can also request this information at no cost by calling 1-800-644-4565 or by sending an email request to ProspectusRequest@jackson.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund’s past performance is not necessarily an indication of future performance.

Fund Type			Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC			Current Expenses			Average Annual Total Returns (as of 12/31/24)
									1 year			5 year			10 year
Allocation			JNL/American Funds Balanced Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.60%2			16.35%			8.26%			7.71%
Fixed Income			JNL/American Funds Capital World Bond Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.75%2			(2.97)%			(2.42)%			(0.12)%
International/Global Equity			JNL/American Funds Global Small Capitalization Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.93%2			2.30%			2.98%			5.76%
U.S. Equity			JNL/American Funds Growth-Income Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.61%2			24.15%			12.93%			12.08%
International/Global Equity			JNL/American Funds International Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.87%2			3.03%			1.14%			3.89%
International/Global Equity			JNL/American Funds New World Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.96%2			6.47%			4.41%			6.08%
U.S. Equity			JNL/American Funds® Washington Mutual Investors Fund1
			(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)			0.61%2			18.97%			12.09%			10.16%
International/Global Equity			JNL Multi-Manager Emerging Markets Equity Fund
			(GQG Partners LLC, Kayne Anderson Rudnick Investment Management, LLC; T. Rowe Price Associates, Inc. (Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited); and WCM Investment Management, LLC)			0.93%			4.90%			(0.68)%			1.61%
International/Global Equity			JNL Multi-Manager International Small Cap Fund
			(Baillie Gifford Overseas Limited; Causeway Capital Management LLC; and WCM Investment Management, LLC)			0.92%			5.32%			6.78%			N/A
U.S. Equity			JNL Multi-Manager Small Cap Growth Fund
			(BAMCO, Inc.; Driehaus Capital Management, LLC; Granahan Investment Management, Inc.; Kayne Anderson Rudnick Investment Management, LLC; Segall Bryant & Hamill, LLC; Victory Capital Management Inc.; and WCM Investment Management, LLC)			0.68%			10.01%			6.11%			8.80%

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Fund Type			Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC			Current Expenses			Average Annual Total Returns (as of 12/31/24)
									1 year			5 year			10 year
U.S. Equity			JNL Multi-Manager Small Cap Value Fund
			(Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; and WCM Investment Management, LLC)			0.79%			9.80%			8.96%			7.53%
U.S. Equity			JNL/AQR Large Cap Defensive Style Fund
			(AQR Capital Management, LLC)			0.56%			15.65%			10.05%			N/A
Allocation			JNL/BlackRock Global Allocation Fund
			(BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited; Sub-Sub-Adviser BlackRock (Singapore) Limited)			0.76%			9.76%			6.42%			5.78%
Alternative			JNL/BlackRock Global Natural Resources Fund
			(BlackRock International Limited)			0.69%			(3.27)%			9.07%			3.35%
U.S. Equity			JNL/BlackRock Large Cap Select Growth Fund
			(BlackRock Investment Management, LLC)			0.53%2			31.88%			15.65%			14.95%
International/Global Equity			JNL/Causeway International Value Select Fund
			(Causeway Capital Management LLC)			0.67%			4.82%			7.78%			6.00%
U.S. Equity			JNL/DFA U.S. Core Equity Fund
			(Dimensional Fund Advisors LP)			0.45%2			20.76%			13.20%			11.69%
Fixed Income			JNL/DoubleLine® Core Fixed Income Fund
			(DoubleLine Capital LP)			0.48%			2.60%			(0.03)%			1.66%
Fixed Income			JNL/DoubleLine® Emerging Markets Fixed Income Fund
			(DoubleLine Capital LP)			0.78%			7.19%			0.93%			N/A
Fixed Income			JNL/Dreyfus Government Money Market Fund
			(Mellon Investments Corporation)			0.26%			5.07%			2.29%			1.54%
Fixed Income			JNL/Fidelity Institutional Asset Management® Total Bond Fund
			(FIAM LLC)			0.49%			2.11%			0.53%			1.68%
Alternative			JNL/First Sentier Global Infrastructure Fund
			(First Sentier Investors (Australia) IM Ltd)			0.84%			5.93%			2.84%			3.38%
Allocation			JNL/Franklin Templeton Income Fund
			(Franklin Advisers, Inc.)			0.62%			6.78%			5.28%			5.39%
U.S. Equity			JNL/Goldman Sachs 4 Fund
			(Goldman Sachs Asset Management, L.P.)			0.70%			19.21%			11.46%			9.31%
International/Global Equity			JNL/Invesco Global Growth Fund
			(Invesco Advisers, Inc.)			0.67%			16.19%			9.65%			9.97%
U.S. Equity			JNL/Invesco Small Cap Growth Fund
			(Invesco Advisers, Inc.)			0.74%			17.06%			7.61%			8.50%
Allocation			JNL/JPMorgan Global Allocation Fund
			(J.P. Morgan Investment Management Inc.)			0.76%2			8.73%			4.07%			N/A
U.S. Equity			JNL/JPMorgan MidCap Growth Fund
			(J.P. Morgan Investment Management Inc.)			0.59%			14.46%			11.33%			11.92%
Fixed Income			JNL/JPMorgan U.S. Government & Quality Bond Fund
			(J.P. Morgan Investment Management Inc.)			0.40%			1.37%			(0.24)%			1.11%
U.S. Equity			JNL/JPMorgan U.S. Value Fund
			(J.P. Morgan Investment Management Inc.)			0.58%			15.08%			8.58%			7.38%
International/Global Equity			JNL/Loomis Sayles Global Growth Fund
			(Loomis, Sayles & Company, L.P.)			0.70%			22.82%			12.23%			N/A

A-2

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Fund Type			Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC			Current Expenses			Average Annual Total Returns (as of 12/31/24)
									1 year			5 year			10 year
International/Global Equity			JNL/Mellon Emerging Markets Index Fund3
			(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)			0.42%2			5.91%			1.47%			3.27%
International/Global Equity			JNL/Mellon World Index Fund
			(Mellon Investments Corporation)			0.30%2			18.48%			11.21%			N/A
U.S. Equity			JNL/Mellon Nasdaq® 100 Index Fund
			(Mellon Investments Corporation)			0.29%2			25.54%			19.84%			17.44%
U.S. Equity			JNL/Mellon S&P 500 Index Fund
			(Mellon Investments Corporation)			0.22%			24.77%			14.29%			12.81%
U.S. Equity			JNL/Mellon S&P 400 MidCap Index Fund3
			(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)			0.26%2			13.67%			10.07%			9.36%
U.S. Equity			JNL/Mellon Small Cap Index Fund3
			(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)			0.26%2			8.34%			8.10%			8.47%
International/Global Equity			JNL/Mellon International Index Fund3
			(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)			0.31%2			3.26%			4.58%			5.11%
Fixed Income			JNL/Mellon Bond Index Fund3
			(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)			0.27%2			1.00%			(0.58)%			1.03%
U.S. Equity			JNL/Mellon U.S. Stock Market Index Fund
			(Mellon Investments Corporation)			0.31%			23.77%			13.71%			N/A
Sector Equity			JNL/Mellon Communication Services Sector Fund
			(Mellon Investments Corporation)			0.30%2			38.86%			12.95%			11.28%
Sector Equity			JNL/Mellon Consumer Discretionary Sector Fund
			(Mellon Investments Corporation)			0.29%2			25.15%			15.21%			13.47%
Sector Equity			JNL/Mellon Energy Sector Fund
			(Mellon Investments Corporation)			0.29%2			6.32%			11.98%			3.87%
Sector Equity			JNL/Mellon Financial Sector Fund
			(Mellon Investments Corporation)			0.29%2			30.82%			10.91%			10.89%
Sector Equity			JNL/Mellon Healthcare Sector Fund
			(Mellon Investments Corporation)			0.28%2			2.38%			7.02%			8.58%
Sector Equity			JNL/Mellon Information Technology Sector Fund
			(Mellon Investments Corporation)			0.26%2			35.73%			23.41%			21.26%
U.S. Equity			JNL/MFS Mid Cap Value Fund
			(Massachusetts Financial Services Company (d/b/a MFS Investment Management))			0.65%			14.19%			9.86%			8.16%
Fixed Income			JNL/Neuberger Berman Strategic Income Fund
			(Neuberger Berman Investment Advisers LLC)			0.64%			5.90%			2.89%			3.36%
Fixed Income			JNL/PIMCO Real Return Fund
			(Pacific Investment Management Company LLC)			1.04%			2.42%			2.24%			2.32%
Fixed Income			JNL/PPM America High Yield Bond Fund
			(PPM America, Inc.)			0.45%			8.25%			3.95%			4.54%
U.S. Equity			JNL/RAFI® Fundamental U.S. Small Cap Fund
			(Mellon Investments Corporation)			0.32%2			11.07%			9.96%			5.93%
U.S. Equity			JNL/RAFI® Multi-Factor U.S. Equity Fund
			(Mellon Investments Corporation)			0.37%			19.05%			11.53%			9.13%

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Fund Type			Fund and Manager* (and Sub-Adviser, if applicable) *The investment manager for each Fund is Jackson National Asset Management, LLC			Current Expenses			Average Annual Total Returns (as of 12/31/24)
									1 year			5 year			10 year
U.S. Equity			JNL/T. Rowe Price Growth Stock Fund
			(T. Rowe Price Associates, Inc.)			0.53%2			30.33%			13.38%			13.91%
U.S. Equity			JNL/T. Rowe Price Mid-Cap Growth Fund
			(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)			0.68%2			9.51%			7.65%			10.19%
Fixed Income			JNL/T. Rowe Price Short-Term Bond Fund
			(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited)			0.42%2			5.10%			1.94%			1.89%
U.S. Equity			JNL/T. Rowe Price Value Fund
			(T. Rowe Price Associates, Inc.)			0.57%2			15.18%			10.52%			9.41%
International/Global Equity			JNL/William Blair International Leaders Fund
			(William Blair Investment Management, LLC)			0.67%			(0.65)%			0.56%			3.05%
Allocation			JNL/WMC Balanced Fund
			(Wellington Management Company LLP)			0.41%			14.96%			7.80%			7.88%
Sector Equity			JNL/WMC Global Real Estate Fund
			(Wellington Management Company LLP)			0.73%			5.85%			(1.11)%			2.07%
U.S. Equity			JNL/WMC Value Fund
			(Wellington Management Company LLP)			0.49%			11.22%			8.57%			8.26%
Allocation			JNL Moderate Growth Allocation Fund
						0.90%			9.48%			5.71%			N/A

 

1			Capital Research and Management Company is the investment adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities.
2			The Fund’s current expenses reflect temporary fee reductions.
3			Mellon Investments Corporation is the investment sub-adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities.

A-4

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BACK COVER PAGE

The EDGAR contract identifier for the Contract is: #C000030245

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