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have an annuity question?

Jackson National Perspective ll Annuity Statement of Understanding

To get a more in-depth idea regarding how the Jackson National Perspective II variable annuity really works prior to signing on the dotted line and purchasing it, reading over the product’s Statement of Understanding can be extremely beneficial. This, along with the product’s illustration, can be helpful in picturing what you can and cannot expect from this particular product.

When you read this information, you may quickly find that it isn’t quite the same as the product’s rosy, glossy brochure or website that could lead you to believe that this annuity will grow exponentially over time.

Why the Annuity’s Statement of Understanding is Important

The Statement of Understanding about an annuity – which should be given to you by your financial or insurance advisor before you move forward with making a purchase – will provide you with the information about how the product really works.

It will also give you more details about the following:

  • The type of annuity it is (in this case, the Jackson National Perspective II is a variable annuity)
  • The way(s) that your money in the annuity can grow
  • The risks to your money (such as a market downturn)
  • What may be changed (and when), in terms of the annuity’s sub accounts, riders, and/or other aspects
  • The annuity’s value
  • Information about how you can withdraw some or all of your funds from the annuity (both during and after the surrender charge period)
  • How to obtain the full annuitization value of the annuity
  • How heirs may be able to obtain some or all of the annuity’s value if the annuitant passes away

Jackson National Perspective II Annuity Disclosure Information

In order to find all of the detailed and updated information regarding the Jackson National Perspective II annuity, including its prospectus and other disclosures, you can go to the Jackson National website here. By doing so, you can obtain the Jackson National Perspective II annuity prospectus, as well as its additional in-depth details, such as the:

  • Disclosure of Portfolio Information
  • Portfolio Allocation and Holdings Information
  • Underlying Trusts – Financial Reports
  • Complete Schedule of Investments
  • Annual Report

While going through all of this information can be almost exciting as having a root canal (and equally as painful), knowing all of the ins and outs of an annuity that you are considering – before you actually buy it – can end up saving you a great deal of time and money in the long-run.

Factors to Consider About the Jackson National Perspective II Variable Annuity

Even given the in-depth description of the Jackson National Perspective II annuity – that can be found in its Statement of Understanding and its prospectus, as well as other disclosure documentation – you may find that you still have additional questions and/or concerns about this product – especially because purchasing this (or any) annuity can require a considerable amount of your retirement savings.

Some of the key factors to consider about the Jackson National Perspective II variable annuity include the fact that this annuity could be subject to a negative impact on your funds in the event of a market downturn.

Because of this, you could end up losing value in the annuity’s account – which in turn, could end up having a negative effect on your future income stream from the annuity. In this case, there are no guarantees when it comes to how much you will ultimately receive.

Still Confused About the Jackson National Perspective II Annuity? Need More Info?

Even though the “fine print” that is associated with the Jackson National Perspective II – or any – annuity can provide you with more in-depth details about how the annuity works, it can also lead to even more confusion about the product, even for well-educated consumers.

Therefore, if you still have any questions or concerns about whether or not this is the right annuity solution for you, please feel free to reach out to us via our secure contact form here for an unbiased opinion, as well as to walk through some examples using your specific parameters, such as your risk tolerance and retirement time frame.

Just simply click here on our secure contact form and let us know what additional information you need about this annuity, and our team of annuity geeks will do their best to help you in coming to a well-informed decision.


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