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• Not FDIC/NCUA insured

• Not bank/CU guaranteed

• May lose value • Not a deposit

• Not insured by any federal agency

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®

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A Word From Our AttorneysAnnuities and life insurance are issued by Jackson National Life Insurance Company

® (Home Office: Lansing, Michigan) and in New York, annuities are issued by Jackson National Life Insurance Company of New York

® (Home Office:

Purchase, New York). Variable products are distributed by Jackson National Life Distributors LLC. May not be available in all states and state variations may apply. These products have limitations and restrictions. Contact the Company for

more information. Jackson®

is the marketing name for Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York. 

Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the variable product and

its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same

document, provide this and other important information. Please contact your representative or the Company to obtain a prospectuses.

Please read the prospectuses carefully before investing or sending money. 

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York and do not apply to the principal amount or investment performance of the separate

account or its underlying investments. 

An annuity is a long-term, tax-deferred vehicle designed for retirement. Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty. Withdrawals have the effect of

reducing the death benefit and surrender value. 

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA. Tax deferral may not be available if the annuity is owned by a “non-natural person” such as a corporation or certain types of trusts. 

Jackson neither encourages nor condones unnecessary replacements or replacements that are not in the best interest of the customer. 

Jackson and its affiliates do not provide legal, tax or estate-planning advice. For questions about a specific situation, please consult a qualified advisor.

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In response to recent concerns by both the financial industry and the general investing public, we would like you to

know that this event is truly complimentary. While we would like to earn your trust and your business, you are under

absolutely no obligation to set up an appointment or to purchase any products or services.

For additional investor protection information, please visit the investor information section of www.finra.org.

Before We Begin

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Source: “The Age Explosion: Baby Boomers and Beyond,” Harvard Generations Policy Journal, Winter 2004.

“The aging of America’s Baby Boomers

is the most pressing national issue

of the century.”

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Creating a Perfect Retirement Storm . . .

1. The Age Wave

2. The Pension Plunge

3. Social Insecurity

4. The Tax Axe

5. Inflation—The Invisible Enemy

6. The Healthcare Nightmare

7. Investor Blunders

The Seven Retirement Challenges

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Retiring Earlier and Living Longer—The Gap is Growing

Challenge #1: The Age Wave

1950 1960 1970 1980 1990 2000 2008

Year

64

68

72

76

80

Age

62

The average American will

spend 20+ years

in retirement.

Life Expectancy

Retirement Age

632

78.11

Sources: 1National Center for Health Statistics, June 2008.

2 Retirement Security Institute.com, 2009.

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Source: 1The Pension Benefit Guaranty Corporation, 2006.

2 The Pension Benefit Guaranty Corporation, Annual Management Report, 2008..

Challenge #2: The Pension Plunge

The Decline of Pensions

Number of U.S. Pensions

2008

27,9002

114,3961

1985

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The Aging of the Aged

• The over-80 population

is growing five times

faster than the overall population.1

• For a couple aged 65, there’s a 50% chance one

will live to 91, and a 25% chance one will live to

96.2

• By 2030, the demographics of 32 states will

resemble those of Florida today.3

Source: 1U.S. Census Bureau, 2008.

2Sue Stevens, “How to Manage Risk in Retirement,” Morningstar.com, October 11, 2007.

3Counsel of Life Insurance, 2008.

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Even those pensions that

have survived may be

threatened.

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Source: InsuranceBroadcast.com, 08/05/2005,©Reuters 2005

The Pension Benefit Guaranty Corporation

had a deficit of $11 billion in 2008.

Source: Pension Benefit Guaranty Corporation, Annual Management Report, 2008.

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Challenge #3: Social Insecurity

Smoke and Mirrors

Source: Social Security Administration, 2008.

Originally intended as a SUPPLEMENTAL retirement

income source for the MINORITY,

it has become the PRIMARY income source

for the MAJORITY.

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Source: 1Early Retirement and Social Security Spousal Benefits, Insurance Newscast, May 23, 2007.

2 "Boomer Security or Financial Deprivation?", Boomer Market Advisor, July 2007.

3"Social Security in $13 trillion hole,"

Investment News, 2008.

Social Security:

• For two out of three Americans, Social

Security provides at least half of their

retirement income.1

• Those age 85 and older get 80% of their

income from Social Security.2

• Social Security is in a $13 trillion shortfall.3

Overburdened and Running Out

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Source: Table II.F19 from the 2000 Trustees Report and Table IV.B2 from the 2007 Trustees Report, Social Security Administration.

Social Security

Contributors per Beneficiary

2006

3.3 to 1

1950

16.5 to 1

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Source: State and Local Tax Burdens Compared to Other U.S. States 2005, www.taxfoundation.org.

Income Taxes

Housing

Medical Care

TransportationFood

Recreation

ClothingSavin

gs

30%

6%8% 8%

12%

4%

17%

1.2%

Challenge #4: The Tax Axe

America’s Largest Monthly Expense

Household Expenses as a Percentage of Income

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Increasing the Burden on “The Rich”

Source: U.S. Treasury-Office of Tax Analysis, April 2004; Orange County Register, 2008.

48%

Percent of Taxes Paid by Top 10%

???

1981 20171991 2007

70%56%

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Good News/Bad News About Your Taxes

Good News:

The government is increasing

the tax burden on the “rich.”

Bad News:

You’re rich!

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Good News/Bad News About Your Taxes

Earnings over $43,200

place you in top 40%.

Source: Congressional Budget Office, 2007..

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Challenge #5: Inflation

The Invisible Enemy

Source: Ibbotson, 2008. Assuming a 3% rate of inflation.

$101,640 in 25 Years=$50,000 Today

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How Inflation Impacts Your Buying Power

$1,314$2,584$5,083

$4,120$5,537$7,441

$2,314$3,769$6,139

$10,0003%

$10,0007%

$10,0005%

After 30 YearsAfter 20 YearsAfter 10 YearsTodayAnnual Inflation

Rate

Average Historical Annual Inflation Rates (Avg. inflation rate from 1926 to 2008 was 3.0%)

1990s–3% 1980s–5% 1970s–7%

The average inflation rate from 1926 to 2008 was 3.0%, according to Ibbotson.

Source: The Actuarial Foundation, “Making Your Money Last a Lifetime,” published by the Women’s Institute for a Secure Retirement, 2001.

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Challenge #6: The Healthcare Nightmare

Healthcare

Americans age 45 and over consider

healthcare the single most critical national

issue —

more important than terrorism, the economy,

education and national security.

Source: Employee Benefits Research Institute and Mathew Greenwald and Associates, 2005.

Terrorism/

National Security

Economy

War in Iraq

Education

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Annual Healthcare Expenditures Per Person

Source: National Coalition on Health Care, 2008.

1980 20102008

$1,067

$8,700*

$8,704

*Healthcare spending nearly exceeding 2010 projected numbers.

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Healthcare Costs – Unaffordable to Most

Source: 1

Yahoo! Finance, 2008. Assumes 3% inflation. 2

Congressional Research Service, 2008.3

Assumes a 14% annual increase in healthcare premiums, and a 4% after-tax rate of return on invested assets. Retiree pays 100% of group market insurance premium, $1,500 maximum out-of-pocket expenses and Medicare Part B premiums. Savings estimate is

based on retiree living to age 90.

$297,000

. . . estimated amount that a couple aged 65 with an average life

expectancy will need to pay for healthcare premiums and out-of-

pocket expenses in retirement.2,3

$50,000

. . . estimated average

total household savings

of Baby Boomers.1

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Average Investor Has Severely Underperformed

Average equity mutual fund investor as measured by Dalbar, Inc. Dalbar derives the average equity fund investor return using a proprietary model that measures actual historical mutual fund returns and average shareholder holding periods. Past performance is no guarantee of future

results. The S&P 500®

is a market-value-weighted index of 500 stocks that is generally considered representative of the U.S. large cap equity market. The index is unmanaged and not available for direct investment.

Returns for 20 years, 1988-2007

Investor Return 4.5%

Buy and Hold

(S&P 500) 11.8%

Source: Quantitative Analysis of Investor Behavior, Dalbar, 2008.

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Challenge #7: Investor Blunders

What Investors Don’t Know Can Hurt Them

• How long will you live in retirement?

• How much money will you need to live comfortably?

• Do you know where the money is coming from?

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Over-Borrowed, Under-Saved, Unprepared

The American Retirement Crisis

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Jackson National Life Insurance Company and

Jackson National Life Insurance Company of New York

Jackson is one of America’s largest life insurance companies,

with nearly $75 billion in assets (IFRS unaudited) as of

12/31/08.*

Jackson has more than $108 billion of life insurance in force

and 2.8 million life insurance policies and annuity contracts in

force nationwide as of 12/31/08.

Jackson of NYSM

, a wholly owned subsidiary of Jackson

National Life Insurance Company, has more than $2.9 billion

in total assets (GAAP) and more than 42,000 life insurance

policies and annuity contracts in force as of 12/31/08.**

* Jackson also has more than $69 billion in IFRS policy liabilities set aside to pay primarily future policyowner benefits (as of 12/31/08). 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. IFRS is used by Jackson's parent company.

** Jackson of NY also has $2.6 billion (GAAP) in policy liabilities (as of 12/31/08).

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