As filed with the Securities and Exchange Commission on September 11, 2014
Commission File Nos.  333-183048
811-08664

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

FORM N-4



REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
 
 
 
 
 
Pre-Effective Amendment No.
[   ]
 
 
 
 
Post-Effective Amendment No. 13
[X]
 
 
and/or


REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

 
Amendment No.  463
[X]


JACKSON NATIONAL SEPARATE ACCOUNT - I
(Exact Name of Registrant)


JACKSON NATIONAL LIFE INSURANCE COMPANY
(Name of Depositor)


1 Corporate Way, Lansing, Michigan 48951
(Address of Depositor's Principal Executive Offices)

Depositor's Telephone Number, including Area Code: (517) 381-5500

Thomas J. Meyer, Esq., Senior Vice President, Secretary and General Counsel
Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951
(Name and Address of Agent for Service)

Copy to:
Frank J. Julian, Esq., Assistant Vice President, Legal
Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951



Approximate Date of Proposed Public Offering:
 
 
It is proposed that this filing will become effective (check appropriate box)
[   ]
immediately upon filing pursuant to paragraph (b)
[X]
on September 15, 2014 pursuant to paragraph (b)
[   ]
60 days after filing pursuant to paragraph (a)(1)
[   ]
on (date) pursuant to paragraph (a)(1).
 
If appropriate, check the following box:
[  ]
this post-effective amendment designates a new effective date for a previously filed post-effective amendment
 
Title of Securities Being Registered: the variable portion of Flexible Premium Fixed and Variable Deferred Annuity contracts


EXPLANATORY NOTE:  This Amendment to the Registration Statement on Form N-4 (the "Registration Statement") is being filed pursuant to Rule 485(b) under the Securities Act of 1933, as amended, for the purpose of filing supplements to the prospectuses and statement of additional information.  Part C is also amended as reflected therein.  Except as heretofore amended, this Amendment does not otherwise delete, amend, or supersede any prospectus, statement of additional information, exhibit, undertaking, or other information contained in the Registration Statement, which are hereby incorporated by reference to the extent required and/or permitted by applicable law.
 
 
 

Supplement Dated September 15, 2014
To The Prospectus Dated April 28, 2014

PERSPECTIVE II ®
FLEXIBLE PREMIUM FIXED AND VARIABLE DEFERRED ANNUITY
(Contracts offered for sale on and after September 10, 2012)

Issued by
Jackson National Life Insurance Company ® and through
Jackson National Separate Account – I

This supplement updates the above-referenced prospectus. Please read and keep it together with your prospectus for future reference. To obtain an additional copy of the prospectus, please contact us at our Annuity Service Center, P.O. Box 30314, Lansing, Michigan, 48909-7814; 1-800-644-4565; www.jackson.com.

The purpose of this supplement is to make the following changes to the prospectus:
A. Revisions to the Guaranteed Annual Withdrawal Amount percentage tables under the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex Guaranteed Minimum Withdrawal Benefits (GMWBs).
B. Investment Division changes resulting from an Investment Division closure and a Fund merger.
The specific revisions to the prospectus to reflect the above changes are described in detail below.  The revisions below describe the changes that are being made to the existing prospectus disclosure and the location in the prospectus where the disclosure can be found.

A.      REVISED GAWA% TABLES UNDER THE LIFEGUARD FREEDOM 6 NET AND LIFEGUARD FREEDOM FLEX GMWBs.

1.      Single Life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs

For single life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs issued on or after September 15, 2014, there are five different Guaranteed Annual Withdrawal Amount percentage tables ("GAWA% tables") that may be available, each with different corresponding charges. The five GAWA% tables are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; the Income Stream Level 3 GAWA% Table; the Income Stream Level 4 GAWA% Table; and the Income Stream Level 5 GAWA% Table. The Income Stream Level 4 and Income Stream Level 5 GAWA% Tables offer the same Guaranteed Annual Withdrawal Amount percentages and charges as the Base GAWA% Table and the Optional Income Upgrade Table , respectively , appearing on pages 83 and 109 of the prospectus . The Income Stream Level 1, Income Stream Level 2, and Income Stream Level 3 GAWA% Tables offer reduced Guaranteed Annual Withdrawal Amount percentages at a lower cost. The prospectus is revised as follows:

► Under the section titled " FEES AND EXPENSES TABLES ", the following revisions to the optional endorsement maximum charges and related footnotes are made to the fee table beginning on page 5 of the prospectus:

For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Maximum Annual Charge ("LifeGuard Freedom 6 Net ® ") 20
3.00%
For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Maximum Annual Charge ("LifeGuard Freedom 6 Net ® ") with Optional Income Upgrade (no longer offered as of September 15, 2014)
3.00%
For Life GMWB With Bonus and Step-Up Maximum Annual Charge ("LifeGuard Freedom Flex ® GMWB") 22
3.00%
For Life GMWB With Bonus and Step-Up Maximum Annual Charge ("LifeGuard Freedom Flex ® GMWB") with Optional Income Upgrade (no longer offered as of September 15, 2014)
3.00%

20 3.00% of the GWB is the maximum annual charge (based on election of the Income Stream Level 5 GAWA% Table), which charge is payable quarterly.  However, for Contracts purchased in Missouri (for endorsements issued on or after September 16, 2013) and Washington State , the charge is payable each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the five GAWA%
Page 1 of 10

tables, please see "For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net") Charge" beginning on page 38, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "For Life GMWB with Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount" beginning on page 81.
22 3.00% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable quarterly.  However, for Contracts purchased in Missouri (for endorsements issued on or after September 16, 2013) and Washington State , the charge is payable each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the available combination of options, please see "For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex GMWB") Charge" beginning on page 40, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "LifeGuard Freedom Flex GMWB" beginning on page 107.

► Under the section titled " For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net") Charge " on page 38 of the prospectus, the first paragraph is revised and a new charge table is added as follows:

The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see table below).  For more information about the GWB and the different GAWA% tables, please see "For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount" beginning on page 81.

GMWBS ISSUED ON OR AFTER SEPTEMBER 15, 2014

Annual Charge
Maximum
Current
With   Income Stream
Level 1 GAWA% Table
1.70%
(MO and WA Only)
 1.74%
0.85%
(MO and WA Only)
 0.87%
With   Income Stream
 Level 2 GAWA% Table
1.90%
1.92%
0.95%
0.96%
With   Income Stream
Level 3 GAWA% Table
2.10%
2.10%
1.05%
1.05%
With   Income Stream
Level 4 GAWA% Table
2.50%
2.52%
1.25%
1.26%
With Income Stream
Level 5 GAWA% Table
3.00%
3.00%
1.50%
1.50%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled "For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex GMWB") Charge" on page 40 of the prospectus, the first paragraph is revised and new charge tables are added as follows:

The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see tables below).  For more information about the GWB and the different GAWA% tables, please see "LifeGuard Freedom Flex GMWB" beginning on page 107.

GMWBS ISSUED ON OR AFTER SEPTEMBER 15, 2014

LifeGuard Freedom Flex GMWB With Income Stream Level 1 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.20%
(MO and WA Only)
1.20%
 
 
0.60%
(MO and WA Only)
0.60%
6% Bonus and Annual Step-Up
1.40%
1.44%
0.70%
0.72%
7% Bonus and Annual Step-Up
1.70%
1.74%
0.85%
0.87%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

Page 2 of 10


LifeGuard Freedom Flex GMWB With Income Stream Level 2 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.40%
(MO and WA Only)
1.44%
 
 
0.70%
(MO and WA Only)
0.72%
6% Bonus and Annual Step-Up
1.60%
1.62%
0.80%
0.81%
7% Bonus and Annual Step-Up
1.90%
1.92%
0.95%
0.96%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream Level 3 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.60%
(MO and WA Only)
1.62%
 
 
0.80%
(MO and WA Only)
0.81%
6% Bonus and Annual Step-Up
1.80%
1.80%
0.90%
0.90%
7% Bonus and Annual Step-Up
2.10%
2.10%
1.05%
1.05%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream Level 4 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.00%
(MO and WA Only)
2.04%
 
 
1.00%
(MO and WA Only)
1.02%
6% Bonus and Annual Step-Up
2.20%
2.22%
1.10%
1.11%
7% Bonus and Annual Step-Up
2.50%
2.52%
1.25%
1.26%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream Level 5 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.50%
(MO and WA Only)
2.52%
 
 
1.25%
(MO and WA Only)
1.26%
6% Bonus and Annual Step-Up
2.70%
2.70%
1.35%
1.35%
7% Bonus and Annual Step-Up
3.00%
3.00%
1.50%
1.50%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled " For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net") " and under the section titled " LifeGuard Freedom Flex GMWB ", on pages 83 and 109 of the prospectus, the text immediately following the first paragraph under " Withdrawals " up to and including the paragraph immediately following the Base GAWA% Table and Optional Income Upgrade Table is deleted and replaced with the following :

There are five different GAWA% tables that may be available, each of which provides different GAWA percentages with different charges. The GAWA% tables, listed from the table offering the lowest GAWA percentages for each age group to the table offering the highest GAWA percentages for each age group, are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; the Income Stream Level 3 GAWA% Table; the Income Stream Level 4 GAWA% Table; and the Income Stream Level 5 GAWA% Table. We reserve the right to prospectively restrict the availability of the GAWA% tables.  Therefore, not all GAWA% tables may be available at the time you are interested in electing this GMWB. Please contact your representative, or contact us at our Annuity Service Center, for information regarding the current availability of the GAWA% tables.

The GAWA percentages for each age group, depending on which GAWA% table you elect, are as follows:

Page 3 of 10

For Endorsements Issued O n Or After September 15, 2014:

Ages
Income Stream Level 1
GAWA% Table
Income Stream Level 2
GAWA% Table
Income Stream Level 3 GAWA% Table
Income Stream Level 4 GAWA% Table
Income Stream Level 5 GAWA% Table
35 – 64
3.00%
3.25%
3.50%
3.75%
4.00%
65 – 74
4.00%
4.25%
4.50%
4.75%
5.00%
75 – 80
4.50%
4.75%
5.00%
5.25%
5.50%
81+
5.00%
5.25%
5.50%
5.75%
6.00%

If your endorsement was issued before September 15, 2014 , different GAWA percentages than those reflected in the above table may apply. Please refer to your Contract endorsement and the related prospectus disclosure for the GAWA percentages applicable under your Contract at the time of purchase. If you need assistance finding this information, please contact your representative, or contact us at our Annuity Service Center. Our contact information is on the first page of the prospectus.

2.      Joint For Life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs

For the Joint For Life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs issued on or after September 15, 2014, there are three different Guaranteed Annual Withdrawal Amount percentage tables ("GAWA% tables") that may be available, each with different corresponding charges. The three GAWA% tables are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; and the Income Stream Level 3 GAWA% Table. The Income Stream Level 3 GAWA% Table offers the same Guaranteed Annual Withdrawal Amount percentages and charges as the GAWA Percentage table appearing on pages 95 and 119 of the prospectus . The Income Stream Level 1 and Income Stream Level 2 GAWA% Tables offer reduced Guaranteed Annual Withdrawal Amount percentages at a lower cost. The prospectus is revised as follows:

► Under the section titled " FEES AND EXPENSES TABLES ", footnote 21 on page 8 and footnote 23 on page 9 of the prospectus are revised as follows:

21 3.00% of the GWB is the maximum annual charge (based on election of the Income Stream Level 3 GAWA% Table), which charge is payable quarterly.  However, for Contracts purchased in Missouri (for endorsements issued on or after September 16, 2013) and Washington State , you pay the charge each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the three GAWA% tables, please see "Joint For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net with Joint Option") Charge" beginning on page 39, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "Joint For Life GMWB with Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount" beginning on page 93.
23 3.00% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable quarterly.  However, for Contracts purchased in Missouri (for endorsements issued on or after September 16, 2013) and Washington State , you pay the charge each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the available combination of options, please see "Joint For Life GMWB With Bonus And Step-Up ("LifeGuard Freedom Flex With Joint Option GMWB") Charge" beginning on page 43, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "LifeGuard Freedom Flex With Joint Option GMWB" beginning on page 117.

► Under the section titled " Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net With Joint Option") Charge " on page 39 of the prospectus, the first paragraph is revised and a new charge table is added as follows:
The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see table below).  For more information about the GWB and the different GAWA% tables, please see "Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount" beginning on page 93.

GMWBS ISSUED ON OR AFTER SEPTEMBER 15, 2014

Annual Charge
Maximum
Current
With   Income Stream
Level 1 GAWA% Table
2.30%
(MO and
WA Only)
 2.34%
1.15%
(MO and
WA Only)
 1.17%
With   Income Stream
 Level 2 GAWA% Table
2.70%
2.70%
1.35%
1.35%
With   Income Stream
Level 3 GAWA% Table
3.00%
3.00%
1.60%
1.62%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
Page 4 of 10


► Under the section titled "Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex With Joint Option GMWB") Charge" on page 43 of the prospectus, the first paragraph is revised and new charge tables are added as follows:

The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see tables below).  For more information about the GWB and the different GAWA% tables, please see "LifeGuard Freedom Flex With Joint Option GMWB" beginning on page 117.

GMWBS ISSUED ON OR AFTER SEPTEMBER 15, 2014

LifeGuard Freedom Flex With Joint Option GMWB With Income Stream
Level 1 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.80%
(MO and WA Only)
1.80%
 
 
0.90%
(MO and WA Only)
0.90%
6% Bonus and Annual Step-Up
2.00%
2.04%
1.00%
1.02%
7% Bonus and Annual Step-Up
2.30%
2.34%
1.15%
1.17%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream
Level 2 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.20%
(MO and WA Only)
2.22%
 
 
1.10%
(MO and WA Only)
1.11%
6% Bonus and Annual Step-Up
2.40%
2.40%
1.20%
1.20%
7% Bonus and Annual Step-Up
2.70%
2.70%
1.35%
1.35%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream
Level 3 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.70%
(MO and
WA Only)
2.70%
 
 
1.35%
(MO and WA Only)
1.35%
6% Bonus and Annual Step-Up
2.90%
2.94%
1.45%
1.47%
7% Bonus and Annual Step-Up
3.00%
3.00%
1.60%
1.62%
Charge Basis
GWB
Charge Frequency
 
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled " Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net With Joint Option") " and under the section titled " LifeGuard Freedom Flex with Joint Option GMWB ", beginning on pages 95 and 119 of the prospectus, the text immediately following the first paragraph under " Withdrawals " up to and including the paragraph immediately following the GAWA Percentage table is deleted and replaced with the following :

There are three different GAWA% tables that may be available, each of which provides different GAWA percentages with different charges. The GAWA% tables, listed from the table offering the lowest GAWA percentages for each age group to the table offering the highest GAWA percentages for each age group, are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; and the Income Stream Level 3 GAWA% Table. We reserve the right to prospectively restrict the availability of the GAWA% tables.  Therefore, not all GAWA% tables may be available at the time you are interested in electing this GMWB. Please contact your representative, or contact us at our Annuity Service Center, for information regarding the current availability of the GAWA% tables.

The GAWA percentages for each age group, depending on which GAWA% table you elect, are as follows:
Page 5 of 10


For Endorsements Issued O n Or After September 15, 2014:

Ages
Income Stream Level 1
GAWA% Table
Income Stream Level 2
GAWA% Table
Income Stream Level 3 GAWA% Table
35 – 64
3.00%
3.25%
3.50%
65 – 74
4.00%
4.25%
4.50%
75 – 80
4.50%
4.75%
5.00%
81+
5.00%
5.25%
5.50%

If your endorsement was issued before September 15, 2014 , different GAWA percentages than those reflected in the above table may apply. Please refer to your Contract endorsement and the related prospectus disclosure for the GAWA percentages applicable under your Contract at the time of purchase. If you need assistance finding this information, please contact your representative, or contact us at our Annuity Service Center. Our contact information is on the first page of the prospectus.

3.      LifeGuard Freedom Flex DB

For the LifeGuard Freedom Flex DB, the charges are revised to reflect new charges for the death benefit, which correspond to each of the GAWA% tables offered in conjunction with the 6% Bonus and Annual Step-Up combination of options under the LifeGuard Freedom Flex GMWB. Please note, the LifeGuard Freedom Flex DB is not currently available to add to a Contract.   The prospectus is revised as follows:

► Under the section titled " FEES AND EXPENSES TABLES ", the following revision to the optional death benefit endorsement maximum charge and related footnote is made to the fee table on page 5 of the prospectus:

LifeGuard Freedom Flex DB SM Maximum Annual Charge (only available with a specified combination of Options for the LifeGuard Freedom Flex ® GMWB) (not currently offered as of April 28, 2014) 15
0.81%

15 The current and maximum charge (based on election of the Income Stream Level 5 GAWA% Table) is 0.2000% of the GMWB Death Benefit each Contract Quarter (0.80% annually).  However, for Contracts purchased in Missouri (for endorsements issued on or after September 16, 2013) and Washington State , the current and maximum charge  (based on election of the Income Stream Level 5 GAWA% Table) is 0.0675% of the GMWB Death Benefit each Contract Month (0.81% annually, as used in the table).

For more information about the charge for the LifeGuard Freedom Flex DB, please see "LifeGuard Freedom Flex DB" under "Death Benefit Charges", beginning on page 45, as supplemented below.  For more information about how the LifeGuard Freedom Flex DB works, please see "LifeGuard Freedom Flex DB" under "Optional Death Benefits", beginning on page 141.

► Under the section titled " Death Benefit Charges ", the fourth indented paragraph on page 45 of the prospectus is deleted and replaced with the following:

If you select the LifeGuard Freedom Flex DB optional death benefit, which is only available in conjunction with the purchase of the LifeGuard Freedom Flex GMWB (with 6% Bonus and Annual Step-Up Options), you will pay two separate charges for the combined benefit.  The charge for LifeGuard Freedom Flex DB, which is based on a percentage of the GMWB Death Benefit, is separate from and in addition to the charge for the LifeGuard Freedom Flex GMWB.   The charge for this death benefit begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GMWB Death Benefit.  The percentage varies depending on which GAWA% table you elect (see table below).

 
Annual Charge
With Income Stream Level 1 GAWA% Table
0.60%
(MO and WA Only)
 0.60%
With Income Stream Level 2 GAWA% Table
0.65%
0.66%
With Income Stream Level 3 GAWA% Table
0.70%
0.72%
With Income Stream Level 4 GAWA% Table
0.75%
0.75%
With Income Stream Level 5 GAWA% Table
0.80%
0.81%
Charge Basis
GMWB Death Benefit
Charge Frequency
Quarterly
Monthly

For more information about the GMWB Death Benefit, please see "LifeGuard Freedom Flex DB" under "Optional Death Benefits", beginning on page 141.  For more information about the charges for LifeGuard Freedom Flex GMWB, please see page 40, and for benefit information, including the GWB, please see "LifeGuard Freedom Flex GMWB" beginning on page 107.  PLEASE NOTE:  EFFECTIVE APRIL 28, 2014, THE LIFEGUARD FREEDOM FLEX DB IS NOT CURRENTLY AVAILABLE TO ADD TO A CONTRACT.
Page 6 of 10


► Under the section titled " Optional Death Benefits ", the first sentence in the first paragraph after the bold language under " LifeGuard Freedom Flex DB " on page 142 of the prospectus is deleted and replaced with the following:

The LifeGuard Freedom Flex DB is available only at issue and in conjunction with the 6% Bonus and Annual Step-Up combination of options under the LifeGuard Freedom Flex GMWB and only if the owner is 35 to 70 (67 for endorsements issued on or after April 29, 2013 and before September 16, 2013) years of age on the date that the endorsement is issued in connection with the Contract. We reserve the right to prospectively restrict the GAWA% tables that may be elected in connection with the LifeGuard Freedom Flex DB. Therefore, not all GAWA% tables may be available at the time you are interested in electing this death benefit. Please contact your representative, or contact us at our Annuity Service Center, for information regarding the current availability of the GAWA% tables.

B.      CHANGES TO THE INVESTMENT DIVISIONS.

1.      Changes to Fund Operating Expenses and Investment Objectives

► Under the section titled "FEES AND EXPENSES TABLES", in the subsection titled "Total Annual Fund Operating Expenses", the information in the Fund Operating Expenses table for the following Funds is revised as follows:

 
Fund Operating Expenses
 
(As an annual percentage of each Fund's average daily net assets)
 
Fund Name
 
Management Fee
 
Distribution and/or
Service
 (12b-1) Fees
 
Other Expenses
 
 
Acquired Fund
Fees and Expenses 
 
Total Annual Fund Operating Expenses
 
JNL/Mellon Capital Communications Sector
0.32%
0.20%
0.16%G, I
0.00%
0.68%
JNL/Mellon Capital Consumer Brands Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%
JNL/Mellon Capital Financial Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%
JNL/Mellon Capital Healthcare Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%
JNL/Mellon Capital Oil & Gas Sector
0.28%
0.20%
0.16%G, I
0.00%
0.64%
JNL/Mellon Capital Technology Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%

I  "Other Expenses" have been restated to reflect current fees.

► Under the section titled "INVESTMENT DIVISIONS", for JNL Variable Fund LLC, the brief statement of the corresponding investment objective for the following Funds is revised as follows:

JNL/Mellon Capital Communications Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Telecommunication Services 25/50 Index in proportion to their market capitalization weighting in the MSCI USA IMI Telecommunication Services 25/50 Index.
JNL/Mellon Capital Consumer Brands Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Consumer Discretionary Index in proportion to their market capitalization weighting in the MSCI USA IMI Consumer Discretionary Index.
JNL/Mellon Capital Financial Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Financials Index in proportion to their market capitalization weighting in the MSCI USA IMI Financials Index.
Page 7 of 10

JNL/Mellon Capital Healthcare Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Health Care Index in proportion to their market capitalization weighting in the MSCI USA IMI Health Care Index.
JNL/Mellon Capital Oil & Gas Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Energy Index in proportion to their market capitalization weighting in the MSCI USA IMI Energy Index.
JNL/Mellon Capital Technology Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Information Technology Index in proportion to their market capitalization weighting in the MSCI USA IMI Information Technology Index.

2.      Closed Investment Division

► Effective September 15, 2014, the Investment Division of the Separate Account investing in the JNL/Mellon Capital Communications Sector Fund ("the Division") stopped accepting any additional allocations or transfers.

Important Note: If you currently have an automatic program, such as Dollar Cost Averaging, Dollar Cost Averaging Plus, Earnings Sweep, and Rebalancing, and it includes an allocation to the Division, you can continue to include the Division under the program based on your existing election until you revise or terminate the automatic program. Any change to the existing automatic program is not permitted if you wish to continue to include an allocation to the Division under the program. The Division is not available for any new or revised allocation instructions under any automatic program.

If you have allocation instructions for future premium payments on file with us that include an allocation to the Division, you must choose a replacement Investment Division.  If you require descriptions of the other Investment Divisions available under your contract, you can obtain an additional copy of the product prospectus, and additional copies of the prospectuses for the Funds underlying the Investment Divisions by contacting our Annuity Service Center.  If you have not chosen a replacement Investment Division and make a subsequent premium payment, all such allocations to the Division prior to our receipt of new allocation instructions from you will be allocated to the JNL/WMC Money Market Investment Division.  Your representative can assist you in subsequently reallocating the Contract Value in the JNL/WMC Money Market Investment Division to any other available investment option.

If you have the Jackson Select Protector Guaranteed Minimum Withdrawal Benefit (GMWB), automatic transfers apply under the Transfer of Assets provision. The automatic transfers are allocated based on your allocation instructions for future premium payments, described in the preceding paragraph.  Therefore, when you change your allocation instructions for future premium payments, you will also be changing your instructions under the Transfer of Assets provision. Prior to our receipt of new allocation instructions, the automatic transfers will continue to be based on your existing instructions.

If an application for a Contract is in good order by September 12, 2014 (or within 5 days of the application receipt date), it may include an allocation of premium to the Division. If an application is not in good order by September 12, 2014 (or within 5 days of the application receipt date) or is received on or after September 15, 2014, premium may not be allocated to the Division and any premium that would otherwise be allocated to the Division will be allocated to the JNL/WMC Money Market Investment Division.  Your representative can assist you in subsequently reallocating the Contract value in the JNL/WMC Money Market Investment Division to any other available Investment Division.

Amounts invested in the Division as of September 12, 2014 will remain invested unless we receive instruction from you. You may continue to make transfers and withdrawals out of the Division in connection with the usual transactions under a Contract, such as partial withdrawals or withdrawals under a GMWB, if available. However, if you transfer out of the Division on or after September 15, 2014 you will not be able to transfer back in.

For additional information, please see the Supplement dated September 15, 2014 to the JNL® Variable Fund LLC prospectus.

Page 8 of 10

► The following paragraph is inserted following the list of Funds located on the back of the first page of the prospectus:

As of September 15, 2014, the JNL/Mellon Capital Communications Sector Fund will be closed to investors, but available as an underlying Fund for a Fund of Funds.

3.      Fund Merger

► Effective September 15, 2014,  the JNL/Mellon Capital NYSE® International 25 Fund merged into the JNL/Mellon Capital International Index Fund.

If you have allocation instructions for future premium payments on file with us, or have existing Dollar Cost Averaging, Dollar Cost Averaging Plus, Earnings Sweep and/or Rebalancing automatic programs, that include an allocation to the JNL/Mellon Capital NYSE® International 25 Investment Division, all such allocations prior to our receipt of new allocation instructions from you will be allocated to the JNL/Mellon Capital International Index Investment Division.

If you have Contract Value that was transferred from the JNL/Mellon Capital NYSE® International 25 Investment Division to the JNL/Mellon Capital International Index Investment Division as a result of the merger, you may transfer your Contract Value out of the JNL/Mellon Capital International Index Investment Division into the other investment options available under your contract. If the transfer is completed within 60 days following the effective date of the merger, the transfer will not be assessed a transfer charge or be treated as a transfer for the purpose of determining how many subsequent transfers may be made in a Contract Year without charge.

If you want to change your allocation instructions or make a transfer as described above, and  you require descriptions of the  other Investment  Divisions available under your contract, you can obtain an additional copy of the product prospectus or additional copies of prospectuses for the Funds underlying the Investment Divisions by contacting our Annuity Service Center.

For additional information, please see the Supplement dated September 15, 2014 to the JNL® Series Trust Prospectus.

► The following paragraph is inserted following the list of Funds located on the back of the first page of the prospectus and under Appendix F, "ACCUMULATION UNIT VALUES" immediately preceding the tables of values of Accumulation Units:

In addition, the JNL/Mellon Capital NYSE® International 25 Fund, which was previously offered under this Contract, merged into the JNL/Mellon Capital International Index Fund effective September 15, 2014.

► All other references to the JNL/Mellon Capital NYSE® International 25 Fund, along with any corresponding Fund expense or investment objective information, are deleted from the following sections of the prospectus:

·
The list of Funds located on the back of the first page of the prospectus;
·
The fee table titled "Total Annual Fund Operating Expenses" under the section titled "FEES AND EXPENSES TABLES"; and
·
The brief statements of investment objectives under the section titled "INVESTMENT DIVISIONS".

4.      Trademark, Service Marks, and Related Disclosures

► Appendix A, titled "Trademarks, Service Marks, and Related Disclosures", is revised as follows:

·
All references to the JNL/Mellon Capital Communications Sector Fund, the JNL/Mellon Capital Consumer Brands Sector Fund, the JNL/Mellon Capital Financial Sector Fund, the JNL/Mellon Capital Healthcare Sector Fund, the JNL/Mellon Capital Oil & Gas Sector Fund, and the JNL/Mellon Capital Technology Sector Fund are deleted from the fourth paragraph on page A-1 and moved to the capitalized disclosures relating to MSCI Inc. beginning on page A-5 and continuing to the end of Appendix A.

·
The third paragraph following the text box on page A-2 is revised as follows:

Page 9 of 10
The following applies to the JNL/S&P Managed Growth Fund, JNL/S&P Managed Conservative Fund, JNL/S&P Managed Moderate Growth Fund, JNL/S&P Managed Moderate Fund, JNL/S&P Managed Aggressive Growth Fund, JNL/S&P Competitive Advantage Fund, JNL/S&P Dividend Income & Growth Fund, JNL/S&P Total Yield Fund, JNL/S&P Intrinsic Value Fund, JNL/S&P 4 Fund, and JNL/S&P Mid 3 Fund.

The Funds are not sponsored, endorsed, sold or promoted by S&P and its affiliates and S&P and its affiliates make no representation regarding the advisability of investing in the Funds.

·
All references to the Dow Jones U.S. Select Dividend Index and the JNL/Mellon Capital DowSM Dividend Fund are deleted.

·
All disclosures relating to the New York Stock Exchange, Inc. ("NYSE") and the NYSE Group, Inc. are deleted.



______________________________
(To be used with JMV9476 04/14)
Page 10 of 10
JMV13241 09/14
 
 

Supplement Dated September 15, 2014
To The Prospectus Dated April 28, 2014

PERSPECTIVE II ®
PERSPECTIVE L SERIES SM ("L Series")

 FLEXIBLE PREMIUM FIXED AND VARIABLE DEFERRED ANNUITIES

Issued by
Jackson National Life Insurance Company ® and through
Jackson National Separate Account – I

This supplement updates the above-referenced prospectus. Please read and keep it together with your prospectus for future reference. To obtain an additional copy of the prospectus, please contact us at our Annuity Service Center, P.O. Box 30314, Lansing, Michigan, 48909-7814; 1-800-644-4565; www.jackson.com.

The purpose of this supplement is to make the following changes to the prospectus:
A. Revisions to the Guaranteed Annual Withdrawal Amount percentage tables under the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex Guaranteed Minimum Withdrawal Benefits (GMWBs).
B. Investment Division changes resulting from an Investment Division closure and a Fund merger.
The specific revisions to the prospectus to reflect the above changes are described in detail below.  The revisions below describe the changes that are being made to the existing prospectus disclosure and the location in the prospectus where the disclosure can be found.

A.      REVISED GAWA% TABLES UNDER THE LIFEGUARD FREEDOM 6 NET AND LIFEGUARD FREEDOM FLEX GMWBs.

1.      Single Life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs

For single life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs issued on or after September 15, 2014, there are five different Guaranteed Annual Withdrawal Amount percentage tables ("GAWA% tables") that may be available, each with different corresponding charges. The five GAWA% tables are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; the Income Stream Level 3 GAWA% Table; the Income Stream Level 4 GAWA% Table; and the Income Stream Level 5 GAWA% Table. The Income Stream Level 4 and Income Stream Level 5 GAWA% Tables offer the same Guaranteed Annual Withdrawal Amount percentages and charges as the Base GAWA% Table and the Optional Income Upgrade  Table , respectively , appearing on pages 52 and 76 of the prospectus . The Income Stream Level 1, Income Stream Level 2, and Income Stream Level 3 GAWA% Tables offer reduced Guaranteed Annual Withdrawal Amount percentages at a lower cost. The prospectus is revised as follows:

► Under the section titled " FEES AND EXPENSES TABLES ", the following revisions to the optional endorsement maximum charges and related footnotes are made to the fee table beginning on page 5 of the prospectus:

For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Maximum Annual Charge ("LifeGuard Freedom 6 Net ® ") 14
3.00%
For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Maximum Annual Charge ("LifeGuard Freedom 6 Net ® ") with Optional Income Upgrade (no longer offered as of September 15, 2014)
3.00%
For Life GMWB With Bonus and Step-Up Maximum Annual Charge ("LifeGuard Freedom Flex ® GMWB") 16
3.00%
For Life GMWB With Bonus and Step-Up Maximum Annual Charge ("LifeGuard Freedom Flex ® GMWB") with Optional Income Upgrade (no longer offered as of September 15, 2014)
3.00%

Page 1 of 8


14 3.00% of the GWB is the maximum annual charge (based on election of the Income Stream Level 5 GAWA% Table), which charge is payable quarterly.  However, for Contracts purchased in Missouri and Washington State , the charge is payable each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the five GAWA% tables, please see "For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net") Charge" beginning on page 31, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "For Life GMWB with Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount" beginning on page 50.
16 3.00% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable quarterly.  However, for Contracts purchased in Missouri and Washington State , the charge is payable each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the available combination of options, please see "For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex GMWB") Charge" beginning on page 33, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "LifeGuard Freedom Flex GMWB" beginning on page 74.

► Under the section titled " For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net") Charge " on page 31 of the prospectus, the first paragraph is revised and the existing charge table is deleted and replaced with a new charge table as follows:

The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see table below).  For more information about the GWB and the different GAWA% tables, please see "For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount" beginning on page 50.

Annual Charge
Maximum
Current
With   Income Stream
Level 1 GAWA% Table
1.70%
(MO and WA Only)
 1.74%
0.85%
(MO and WA Only)
 0.87%
With   Income Stream
 Level 2 GAWA% Table
1.90%
1.92%
0.95%
0.96%
With   Income Stream
Level 3 GAWA% Table
2.10%
2.10%
1.05%
1.05%
With   Income Stream
Level 4 GAWA% Table
2.50%
2.52%
1.25%
1.26%
With Income Stream
Level 5 GAWA% Table
3.00%
3.00%
1.50%
1.50%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled "For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex GMWB") Charge" on page 33 of the prospectus, the first paragraph is revised and the existing charge tables are deleted and replaced with new charge tables as follows:

The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see tables below).  For more information about the GWB and the different GAWA% tables, please see "LifeGuard Freedom Flex GMWB" beginning on page 74.

LifeGuard Freedom Flex GMWB With Income Stream Level 1 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.20%
(MO and WA Only)
1.20%
 
 
0.60%
(MO and WA Only)
0.60%
6% Bonus and Annual Step-Up
1.40%
1.44%
0.70%
0.72%
7% Bonus and Annual Step-Up
1.70%
1.74%
0.85%
0.87%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

Page 2 of 8


LifeGuard Freedom Flex GMWB With Income Stream Level 2 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.40%
(MO and WA Only)
1.44%
 
 
0.70%
(MO and WA Only)
0.72%
6% Bonus and Annual Step-Up
1.60%
1.62%
0.80%
0.81%
7% Bonus and Annual Step-Up
1.90%
1.92%
0.95%
0.96%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream Level 3 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.60%
(MO and WA Only)
1.62%
 
 
0.80%
(MO and WA Only)
0.81%
6% Bonus and Annual Step-Up
1.80%
1.80%
0.90%
0.90%
7% Bonus and Annual Step-Up
2.10%
2.10%
1.05%
1.05%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream Level 4 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.00%
(MO and WA Only)
2.04%
 
 
1.00%
(MO and WA Only)
1.02%
6% Bonus and Annual Step-Up
2.20%
2.22%
1.10%
1.11%
7% Bonus and Annual Step-Up
2.50%
2.52%
1.25%
1.26%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream Level 5 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.50%
(MO and WA Only)
2.52%
 
 
1.25%
(MO and WA Only)
1.26%
6% Bonus and Annual Step-Up
2.70%
2.70%
1.35%
1.35%
7% Bonus and Annual Step-Up
3.00%
3.00%
1.50%
1.50%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled " For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net") " and under the section titled " LifeGuard Freedom Flex GMWB ", beginning on pages 51 and 76 of the prospectus, the text immediately following the first paragraph under " Withdrawals " up to and including the Base GAWA% Table and Optional Income Upgrade Table is deleted and replaced with the following :

There are five different GAWA% tables that may be available, each of which provides different GAWA percentages with different charges. The GAWA% tables, listed from the table offering the lowest GAWA percentages for each age group to the table offering the highest GAWA percentages for each age group, are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; the Income Stream Level 3 GAWA% Table; the Income Stream Level 4 GAWA% Table; and the Income Stream Level 5 GAWA% Table. We reserve the right to prospectively restrict the availability of the GAWA% tables.  Therefore, not all GAWA% tables may be available at the time you are interested in electing this GMWB. Please contact your representative, or contact us at our Annuity Service Center, for information regarding the current availability of the GAWA% tables.

The GAWA percentages for each age group, depending on which GAWA% table you elect, are as follows:
Page 3 of 8


Ages
Income Stream Level 1
GAWA% Table
Income Stream Level 2
GAWA% Table
Income Stream Level 3 GAWA% Table
Income Stream Level 4 GAWA% Table
Income Stream Level 5 GAWA% Table
35 – 64
3.00%
3.25%
3.50%
3.75%
4.00%
65 – 74
4.00%
4.25%
4.50%
4.75%
5.00%
75 – 80
4.50%
4.75%
5.00%
5.25%
5.50%
81+
5.00%
5.25%
5.50%
5.75%
6.00%

2.      Joint For Life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs

For the Joint For Life versions of the LifeGuard Freedom 6 Net and LifeGuard Freedom Flex GMWBs issued on or after September 15, 2014, there are three different Guaranteed Annual Withdrawal Amount percentage tables ("GAWA% tables") that may be available, each with different corresponding charges. The three GAWA% tables are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; and the Income Stream Level 3 GAWA% Table. The Income Stream Level 3 GAWA% Table offers the same Guaranteed Annual Withdrawal Amount percentages and charges as the GAWA Percentage table appearing on pages 63 and 86 of the prospectus . The Income Stream Level 1 and Income Stream Level 2 GAWA% Tables offer reduced Guaranteed Annual Withdrawal Amount percentages at a lower cost. The prospectus is revised as follows:

► Under the section titled " FEES AND EXPENSES TABLES ", footnote 15 and footnote 17 on page 7 of the prospectus are revised as follows:

15 3.00% of the GWB is the maximum annual charge (based on election of the Income Stream Level 3 GAWA% Table), which charge is payable quarterly.  However, for Contracts purchased in Missouri and Washington State , you pay the charge each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the three GAWA% tables, please see "Joint For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net with Joint Option") Charge" beginning on page 32, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "Joint For Life GMWB with Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount" beginning on page 61.
17 3.00% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable quarterly.  However, for Contracts purchased in Missouri and Washington State , you pay the charge each Contract Month. For more information about the charges for this endorsement, including applicable charges for each of the available combination of options, please see "Joint For Life GMWB With Bonus And Step-Up ("LifeGuard Freedom Flex With Joint Option GMWB") Charge" beginning on page 34, as supplemented below.  For more information about how the endorsement works, including how the GWB is calculated, please see "LifeGuard Freedom Flex With Joint Option GMWB" beginning on page 84.

► Under the section titled " Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net With Joint Option") Charge " on page 32 of the prospectus, the first paragraph is revised and the existing charge table is deleted and replaced with a new charge table as follows:
The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see table below).  For more information about the GWB and the different GAWA% tables, please see "Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount" beginning on page 61.

Annual Charge
Maximum
Current
With   Income Stream
Level 1 GAWA% Table
2.30%
(MO and
WA Only)
 2.34%
1.15%
(MO and
WA Only)
 1.17%
With   Income Stream
 Level 2 GAWA% Table
2.70%
2.70%
1.35%
1.35%
With   Income Stream
Level 3 GAWA% Table
3.00%
3.00%
1.60%
1.62%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled "Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex With Joint Option GMWB") Charge" on page 34 of the prospectus, the first paragraph is revised and the existing charge tables are deleted and replaced with new charge tables as follows:

The charge for this GMWB begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GWB.  The percentage varies depending on which GAWA% table you elect (see tables below).  For more information about the GWB and the different GAWA% tables, please see "LifeGuard Freedom Flex With Joint Option GMWB" beginning on page 84.
Page 4 of 8



LifeGuard Freedom Flex With Joint Option GMWB With Income Stream
Level 1 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
1.80%
(MO and WA Only)
1.80%
 
 
0.90%
(MO and WA Only)
0.90%
6% Bonus and Annual Step-Up
2.00%
2.04%
1.00%
1.02%
7% Bonus and Annual Step-Up
2.30%
2.34%
1.15%
1.17%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream
Level 2 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.20%
(MO and WA Only)
2.22%
 
 
1.10%
(MO and WA Only)
1.11%
6% Bonus and Annual Step-Up
2.40%
2.40%
1.20%
1.20%
7% Bonus and Annual Step-Up
2.70%
2.70%
1.35%
1.35%
Charge Basis
GWB
Charge Frequency
Quarterly
Monthly
Quarterly
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream
Level 3 GAWA% Table
Options
Maximum Annual Charge
Current Annual Charge
 
 
5% Bonus and Annual Step-Up
 
 
2.70%
(MO and
WA Only)
2.70%
 
 
1.35%
(MO and WA Only)
1.35%
6% Bonus and Annual Step-Up
2.90%
2.94%
1.45%
1.47%
7% Bonus and Annual Step-Up
3.00%
3.00%
1.60%
1.62%
Charge Basis
GWB
Charge Frequency
 
Quarterly
Monthly
Quarterly
Monthly

► Under the section titled " Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount ("LifeGuard Freedom 6 Net With Joint Option") " and under the section titled " LifeGuard Freedom Flex with Joint Option GMWB ", the GAWA Percentage table immediately following the first paragraph under " Withdrawals " on pages 63 and 86 of the prospectus is deleted and replaced with the following :

There are three different GAWA% tables that may be available, each of which provides different GAWA percentages with different charges. The GAWA% tables, listed from the table offering the lowest GAWA percentages for each age group to the table offering the highest GAWA percentages for each age group, are: the Income Stream Level 1 GAWA% Table; the Income Stream Level 2 GAWA% Table; and the Income Stream Level 3 GAWA% Table. We reserve the right to prospectively restrict the availability of the GAWA% tables.  Therefore, not all GAWA% tables may be available at the time you are interested in electing this GMWB. Please contact your representative, or contact us at our Annuity Service Center, for information regarding the current availability of the GAWA% tables.

The GAWA percentages for each age group, depending on which GAWA% table you elect, are as follows:

Ages
Income Stream Level 1
GAWA% Table
Income Stream Level 2
GAWA% Table
Income Stream Level 3 GAWA% Table
35 – 64
3.00%
3.25%
3.50%
65 – 74
4.00%
4.25%
4.50%
75 – 80
4.50%
4.75%
5.00%
81+
5.00%
5.25%
5.50%

3.      LifeGuard Freedom Flex DB

For the LifeGuard Freedom Flex DB, the charges are revised to reflect new charges for the death benefit, which correspond to each of the GAWA% tables offered in conjunction with the 6% Bonus and Annual Step-Up combination of options under the
Page 5 of 8

LifeGuard Freedom Flex GMWB. Please note, the LifeGuard Freedom Flex DB is not currently available to add to a Contract.   The prospectus is revised as follows:

► Under the section titled " FEES AND EXPENSES TABLES ", the following revision to the optional death benefit endorsement maximum charge and related footnote is made to the fee table on page 5 of the prospectus:

LifeGuard Freedom Flex DB SM Maximum Annual Charge (only available with a specified combination of Options for the LifeGuard Freedom Flex ® GMWB) (not currently offered as of April 28, 2014) 12
0.81%

12 The current and maximum charge (based on election of the Income Stream Level 5 GAWA% Table) is 0.2000% of the GMWB Death Benefit each Contract Quarter (0.80% annually).  However, for Contracts purchased in Missouri and Washington State , the current and maximum charge (based on election of the Income Stream Level 5 GAWA% Table) is 0.0675% of the GMWB Death Benefit each Contract Month (0.81% annually, as used in the table).

For more information about the charge for the LifeGuard Freedom Flex DB, please see "LifeGuard Freedom Flex DB" under "Death Benefit Charges", beginning on page 36, as supplemented below.  For more information about how the LifeGuard Freedom Flex DB works, please see "LifeGuard Freedom Flex DB" under "Optional Death Benefits", beginning on page 107.

► Under the section titled " Death Benefit Charges ", the second paragraph on page 36 of the prospectus is deleted and replaced with the following:

If you select the LifeGuard Freedom Flex DB optional death benefit, which is only available in conjunction with the purchase of the LifeGuard Freedom Flex GMWB (with 6% Bonus and Annual Step-Up Options), you will pay two separate charges for the combined benefit.  The charge for LifeGuard Freedom Flex DB, which is based on a percentage of the GMWB Death Benefit, is separate from and in addition to the charge for the LifeGuard Freedom Flex GMWB.   The charge for this death benefit begins when the endorsement is added to the Contract and is expressed as an annual percentage of the GMWB Death Benefit.  The percentage varies depending on which GAWA% table you elect (see table below).

 
Annual Charge
With Income Stream Level 1 GAWA% Table
0.60%
(MO and WA Only)
 0.60%
With Income Stream Level 2 GAWA% Table
0.65%
0.66%
With Income Stream Level 3 GAWA% Table
0.70%
0.72%
With Income Stream Level 4 GAWA% Table
0.75%
0.75%
With Income Stream Level 5 GAWA% Table
0.80%
0.81%
Charge Basis
GMWB Death Benefit
Charge Frequency
Quarterly
Monthly

For more information about the GMWB Death Benefit, please see "LifeGuard Freedom Flex DB" under "Optional Death Benefits", beginning on page 107.  For more information about the charges for LifeGuard Freedom Flex GMWB, please see page 33, and for benefit information, including the GWB, please see "LifeGuard Freedom Flex GMWB" beginning on page 74.  PLEASE NOTE:  EFFECTIVE APRIL 28, 2014, THE LIFEGUARD FREEDOM FLEX DB IS NOT CURRENTLY AVAILABLE TO ADD TO A CONTRACT.

► Under the section titled " Optional Death Benefits ", the first sentence in the first paragraph after the bold language under " LifeGuard Freedom Flex DB " on page 107 of the prospectus is deleted and replaced with the following:

The LifeGuard Freedom Flex DB is available only at issue and in conjunction with the 6% Bonus and Annual Step-Up combination of options under the LifeGuard Freedom Flex GMWB and only if the owner is 35 to 70   years of age on the date that the endorsement is issued in connection with the Contract. We reserve the right to prospectively restrict the GAWA% tables that may be elected in connection with the LifeGuard Freedom Flex DB. Therefore, not all GAWA% tables may be available at the time you are interested in electing this death benefit. Please contact your representative, or contact us at our Annuity Service Center, for information regarding the current availability of the GAWA% tables.

B.      CHANGES TO THE INVESTMENT DIVISIONS.

1.      Changes to Fund Operating Expenses and Investment Objectives

► Under the section titled "FEES AND EXPENSES TABLES", in the subsection titled "Total Annual Fund Operating Expenses", the information in the Fund Operating Expenses table for the following Funds is revised as follows:
Page 6 of 8


 
 
Fund Operating Expenses
 
(As an annual percentage of each Fund's average daily net assets)
 
Fund Name
 
Management Fee
 
Distribution and/or
Service
 (12b-1) Fees
 
Other Expenses
 
 
Acquired Fund
Fees and Expenses 
 
Total Annual Fund Operating Expenses
 
JNL/Mellon Capital Communications Sector
0.32%
0.20%
0.16%G, I
0.00%
0.68%
JNL/Mellon Capital Consumer Brands Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%
JNL/Mellon Capital Financial Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%
JNL/Mellon Capital Healthcare Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%
JNL/Mellon Capital Oil & Gas Sector
0.28%
0.20%
0.16%G, I
0.00%
0.64%
JNL/Mellon Capital Technology Sector
0.29%
0.20%
0.16%G, I
0.00%
0.65%

I  "Other Expenses" have been restated to reflect current fees.

► Under the section titled "INVESTMENT DIVISIONS", for JNL Variable Fund LLC, the brief statement of the corresponding investment objective for the following Funds is revised as follows:

JNL/Mellon Capital Communications Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Telecommunication Services 25/50 Index in proportion to their market capitalization weighting in the MSCI USA IMI Telecommunication Services 25/50 Index.
JNL/Mellon Capital Consumer Brands Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Consumer Discretionary Index in proportion to their market capitalization weighting in the MSCI USA IMI Consumer Discretionary Index.
JNL/Mellon Capital Financial Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Financials Index in proportion to their market capitalization weighting in the MSCI USA IMI Financials Index.
JNL/Mellon Capital Healthcare Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Health Care Index in proportion to their market capitalization weighting in the MSCI USA IMI Health Care Index.
JNL/Mellon Capital Oil & Gas Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Energy Index in proportion to their market capitalization weighting in the MSCI USA IMI Energy Index.
JNL/Mellon Capital Technology Sector Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through capital appreciation and dividend income by investing, under normal circumstances, at least 80% of its assets in the stocks in the MSCI USA IMI Information Technology Index in proportion to their market capitalization weighting in the MSCI USA IMI Information Technology Index.

Page 7 of 8
2.      Closed Investment Division

► Effective September 15, 2014, the Investment Division of the Separate Account investing in the JNL/Mellon Capital Communications Sector Fund ("the Division") stopped accepting any additional allocations or transfers.

For additional information, please see the Supplement dated September 15, 2014 to the JNL® Variable Fund LLC prospectus.

► The following paragraph is inserted following the list of Funds located on the back of the first page of the prospectus:

As of September 15, 2014, the JNL/Mellon Capital Communications Sector Fund will be closed to investors, but available as an underlying Fund for a Fund of Funds.

3.      Fund Merger

► Effective September 15, 2014,  the JNL/Mellon Capital NYSE® International 25 Fund merged into the JNL/Mellon Capital International Index Fund.

For additional information, please see the Supplement dated September 15, 2014 to the JNL® Series Trust Prospectus.

► The following paragraph is inserted following the list of Funds located on the back of the first page of the prospectus and under Appendix E, "ACCUMULATION UNIT VALUES" immediately preceding the tables of values of Accumulation Units:

In addition, the JNL/Mellon Capital NYSE® International 25 Fund, which was previously offered under this Contract, merged into the JNL/Mellon Capital International Index Fund effective September 15, 2014.

► All other references to the JNL/Mellon Capital NYSE® International 25 Fund, along with any corresponding Fund expense or investment objective information, are deleted from the following sections of the prospectus:

·
The list of Funds located on the back of the first page of the prospectus;
·
The fee table titled "Total Annual Fund Operating Expenses" under the section titled "FEES AND EXPENSES TABLES"; and
·
The brief statements of investment objectives under the section titled "INVESTMENT DIVISIONS".

4.      Trademark, Service Marks, and Related Disclosures

► Appendix A, titled "Trademarks, Service Marks, and Related Disclosures", is revised as follows:

·
All references to the JNL/Mellon Capital Communications Sector Fund, the JNL/Mellon Capital Consumer Brands Sector Fund, the JNL/Mellon Capital Financial Sector Fund, the JNL/Mellon Capital Healthcare Sector Fund, the JNL/Mellon Capital Oil & Gas Sector Fund, and the JNL/Mellon Capital Technology Sector Fund are deleted from the fourth paragraph on page A-1 and moved to the capitalized disclosures relating to MSCI Inc. beginning on page A-5 and continuing to the end of Appendix A.

·
The third paragraph following the text box on page A-2 is revised as follows:

The following applies to the JNL/S&P Managed Growth Fund, JNL/S&P Managed Conservative Fund, JNL/S&P Managed Moderate Growth Fund, JNL/S&P Managed Moderate Fund, JNL/S&P Managed Aggressive Growth Fund, JNL/S&P Competitive Advantage Fund, JNL/S&P Dividend Income & Growth Fund, JNL/S&P Total Yield Fund, JNL/S&P Intrinsic Value Fund, JNL/S&P 4 Fund, and JNL/S&P Mid 3 Fund.

The Funds are not sponsored, endorsed, sold or promoted by S&P and its affiliates and S&P and its affiliates make no representation regarding the advisability of investing in the Funds.

·
All references to the Dow Jones U.S. Select Dividend Index and the JNL/Mellon Capital DowSM Dividend Fund are deleted.

·
All disclosures relating to the New York Stock Exchange, Inc. ("NYSE") and the NYSE Group, Inc. are deleted.

______________________________
(To be used with JMV9476L 04/14)
Page 8 of 8
JMV13240 09/14

 
 
Supplement dated September 15, 2014
To The Statements of Additional Information Dated April 28, 2014 For

PERSPECTIVE II ® ; PERSPECTIVE L SERIES SM ; PERSPECTIVE ADVISORS II SM ;
FIFTH THIRD PERSPECTIVE; PERSPECTIVE SM ; DEFINED STRATEGIES SM ; PERSPECTIVE FOCUS ®
Issued By JACKSON NATIONAL LIFE INSURANCE COMPANY ®
Through JACKSON NATIONAL SEPARATE ACCOUNT – I
PERSPECTIVE II ® ; PERSPECTIVE L SERIES SM ; PERSPECTIVE ADVISORS II SM ;
PERSPECTIVE FOCUS ®
Issued By JACKSON NATIONAL LIFE INSURANCE COMPANY OF NEW YORK ®
Through JNLNY SEPARATE ACCOUNT I

This supplement updates the above-referenced Statements of Additional Information. Please read and keep it together with your copy of the Statement of Additional Information for future reference.

► In the section titled " General Information and History ", the subsection titled " Trademarks, Service Marks, and Related Disclosures " is revised as follows:

·
All references to the JNL/Mellon Capital Communications Sector Fund, the JNL/Mellon Capital Consumer Brands Sector Fund, the JNL/Mellon Capital Financial Sector Fund, the JNL/Mellon Capital Healthcare Sector Fund, the JNL/Mellon Capital Oil & Gas Sector Fund, and the JNL/Mellon Capital Technology Sector Fund are deleted from the third paragraph and moved to the capitalized disclosures relating to MSCI Inc. beginning on page 8 and continuing on page 9.

·
The second paragraph following the capitalized disclosure on page 3 is deleted and replaced with the following:

The following applies to the JNL/S&P Managed Growth Fund, JNL/S&P Managed Conservative Fund, JNL/S&P Managed Moderate Growth Fund, JNL/S&P Managed Moderate Fund, JNL/S&P Managed Aggressive Growth Fund, JNL/S&P Competitive Advantage Fund, JNL/S&P Dividend Income & Growth Fund, JNL/S&P Total Yield Fund, JNL/S&P Intrinsic Value Fund, JNL/S&P 4 Fund, and JNL/S&P Mid 3 Fund.

The Funds are not sponsored, endorsed, sold or promoted by S&P and its affiliates and S&P and its affiliates make no representation regarding the advisability of investing in the Funds.

·
All references to the Dow Jones U.S. Select Dividend Index, Dow Jones Select Dividend Index, and the JNL/Mellon Capital Dow SM Dividend Fund are deleted.

·
All disclosures relating to the New York Stock Exchange, Inc. ("NYSE") and the NYSE Group, Inc. are deleted.

► In the section titled " Condensed Financial Information ", under the subsection titled " Accumulation Unit Values ", the following paragraph is inserted immediately preceding the tables of values of Accumulation Units:

In addition, the JNL/Mellon Capital NYSE ® International 25 Fund, which was previously offered under this Contract, merged into the JNL/Mellon Capital International Index Fund effective September 15, 2014.


_____________________
(To be used with V5507 04/14, JMV8994 04/14, JMV7262 04/14, JMV7263 04/14, JMV9741 04/14, JMV9484 04/14, JMV9485 04/14, JMV8198 04/14, V5913 04/14, JMV7261 04/14, JMV8197 04/14, V5893 04/14, V3800 04/14, V5596 04/14, NV5639 04/14, NMV7264NY 04/14, NMV9481NY 04/14, NMV9482NY 04/14, NMV8200NY 04/14, NV5913 04/14, NMV8199NY 04/14, NV5893 04/14 and NV5661 04/14)

Page 1 of 1
CMV13574 09/14
 
 
PART C

OTHER INFORMATION

Item 24. Financial Statements and Exhibits

(a) Financial Statements:

(1) Financial statements and schedules included in Part A:

Not Applicable.

(2) Financial statements and schedules included in Part B:

Jackson National Separate Account - I:

Report of Independent Registered Public Accounting Firm
                       Statements of Assets and Liabilities as of December 31, 2013
                       Statements of Operations for the period ended December 31, 2013
                       Statements of Changes in Net Assets for the periods ended December 31, 2013 and 2012
                       Notes to Financial Statements

Jackson National Life Insurance Company:

Report of Independent Registered Public Accounting Firm
                       Consolidated Balance Sheets as of December 31, 2013 and 2012
                       Consolidated Income Statements for the years ended December 31, 2013, 2012, and 2011
                       Consolidated Statements of Stockholder's Equity and Comprehensive Income for the years ended
                       December 31, 2013, 2012, and 2011
                       Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012, and 2011
                       Notes to Consolidated Financial Statements

(b) Exhibits

Exhibit                  Description
No.

1. Resolution of Depositor's Board of Directors authorizing the establishment of the Registrant, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 9 filed on April 21, 1999 (File Nos. 033-82080 and 811-08664).

2. Not Applicable.

3.

a. Amended and Restated General Distributor Agreement dated June 1, 2006, incorporated herein by reference to the Registrant's Registration Statement filed on August 10, 2006 (File Nos. 333-136472 and 811-08664).

b. Specimen of Selling Agreement (V2565 01/12), incorporated herein by reference to the Registrant's Registration Statement, filed on April 24, 2012 (File Nos. 333-178774 and 811-08664).

c. Specimen of Selling Agreement (V2565 08/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

d. Specimen of Selling Agreement (V2565 06/14), attached hereto.
 
4.

a.
Specimen of the Perspective II Fixed and Variable Annuity Contract, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

b.
Specimen of Section 403(b) Tax Sheltered Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

c.
Specimen of Retirement Plan Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

d.
Specimen of Individual Retirement Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

e.
Specimen of Roth Individual Retirement Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

f.
Specimen of Charitable Remainder Trust Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment filed on December 23, 2004 (File Nos. 333-118368 and 811-08664).

g.
Specimen of Earnings Protection Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

h.
Specimen of the Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit (HQAV) Endorsement (7595 04/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No.12, filed on April 2, 2009 (File Nos. 333-119656 and 811-08664).

i.
Specimen of the Reduced Administration Charge Endorsement (7536 09/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 71, filed on September 24, 2009 (File Nos. 333-70472 and 811-08664).

j.
Specimen of the [2%] Contract Enhancement Endorsement (7567 12/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 80, filed on April 30, 2010 (File Nos. 333-70472 and 811-08664).

k.
Specimen of the [3%] Contract Enhancement Endorsement (7568 12/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 80, filed on April 30, 2010 (File Nos. 333-70472 and 811-08664).

l.
Specimen of the [4%] Contract Enhancement Endorsement (7569 12/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 80, filed on April 30, 2010 (File Nos. 333-70472 and 811-08664).

m.
Specimen of the [5%] Contract Enhancement Endorsement (7570 12/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 80, filed on April 30, 2010 (File Nos. 333-70472 and 811-08664).

n.
Specimen of 20% Additional Free Withdrawal Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on September 28, 2001 (File Nos. 333-70472 and 811-08664).

o.
Specimen of 5 Year Withdrawal Charge Schedule, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 11 filed on July 21, 2004 (File Nos. 333-70472 and 811-08664).

p.
Specimen of the Guaranteed Minimum Withdrawal Benefit With [5] Year Step-Up (SafeGuard Max) Endorsement (7633 05/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 80, filed on April 30, 2010 (File Nos. 333-70472 and 811-08664).

q.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up Endorsement (7640 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

r.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7641 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

s.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up Endorsement (7642 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

t.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7643 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

u.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus and Annual Step-Up Endorsement (7646 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

v.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7647 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

w.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus and Annual Step-Up Endorsement (7648 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

x.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus, Annual Step-Up and Death Benefit Endorsement (7650 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

y.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7%] Bonus and Annual Step-Up Endorsement (7652 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

z.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7653 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 88, filed on October 5, 2010 (File Nos. 333-70472 and 811-08664).

aa.
Specimen of [5%] Guaranteed Minimum Withdrawal Benefit with Annual Step-Up Endorsement (AutoGuard 5) (7659 05/11), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 91, filed on January 18, 2011 (File Nos. 333-70472 and 811-08664).

bb.
Specimen of [6%] Guaranteed Minimum Withdrawal Benefit with Annual Step-Up Endorsement (AutoGuard 6) (7660 05/11), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 91, filed on January 18, 2011 (File Nos. 333-70472 and 811-08664).

cc.
Specimen of For Life Guaranteed Minimum Withdrawal Benefit with Annual Step-Up and Transfer of Assets Endorsement (Jackson Select Protector) (7667 05/11), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 91, filed on January 18, 2011 (File Nos. 333-70472 and 811-08664).

dd.
Specimen of Guaranteed Minimum Withdrawal Benefit for Stretch RMDs Endorsement (MarketGuard Stretch) (7668 04/12), incorporated herein by reference to the Registrant's Registration Statement, filed on April 24, 2012 (File Nos. 333-178774 and 811-08664).

ee.
Form of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Endorsement (LifeGuard Freedom 6 Net), incorporated herein by reference to the Registrant's Post-Effective Amendment, filed on January 20, 2012 (File Nos. 333-70472 and 811-08664).


ff.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Endorsement (LifeGuard Freedom 6 Net with Joint Option), incorporated herein by reference to the Registrant's Post-Effective Amendment, filed on January 20, 2012 (File Nos. 333-70472 and 811-08664).

gg.
Specimen of the [5%] Roll-Up Guaranteed Minimum Death Benefit Endorsement (7596 04/12), incorporated herein by reference to the Registrant's Registration Statement, filed on April 24, 2012 (File Nos. 333-178774 and 811-08664).

hh.
Specimen of the Combination [5%] Roll-Up and Highest Quarterly Anniversary Value Guaranteed Minimum Death Benefit Endorsement (7597 04/12), incorporated herein by reference to the Registrant's Registration Statement, filed on April 24, 2012 (File Nos. 333-178774 and 811-08664).

ii.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7700 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

jj.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7701 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

kk.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up Endorsement (7702 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

ll.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7704 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

mm.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7705 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

nn.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7706 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

oo.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7707 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

pp.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7708 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

qq.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up Endorsement (7709 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

rr.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7710 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

ss.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7711 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

tt.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus, Annual Step-Up And Death Benefit Endorsement (7712 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

uu.
Form of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7713 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

vv.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7714 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

ww.
Form of Guaranteed Minimum Withdrawal Benefit Endorsement (7678 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183048 and 811-08664).

xx.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7700 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

yy.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7701 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

zz.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up Endorsement (7702 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

aaa.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus, Annual Step-Up And Death Benefit Endorsement (7712 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

bbb.
Form of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7713 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

ccc.
Form of Guaranteed Minimum Withdrawal Benefit Endorsement (7678 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

ddd.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7707),incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183048 and 811-08664).

eee.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7708), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183048 and 811-08664).

fff.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up Endorsement (7709), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183048 and 811-08664).

ggg.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7714), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183048 and 811-08664).

hhh.
Form of Individual Retirement Annuity Endorsement (ICC13 7715), incorporated herein by reference to Registrant's Registration Statement, filed on December 20, 2013 (File Nos. 333-192971 and 811-08664).

iii.
Form of Roth Individual Retirement Annuity Endorsement (ICC13 7716), incorporated herein by reference to Registrant's Registration Statement, filed on December 20, 2013 (File Nos. 333-192971 and 811-08664).

5.

a.
Form of the Perspective II Variable and Fixed Annuity Application (V620 09/12), incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1, filed on September 4, 2012 (File No. 333-178774 and 811-08664).

b.
Form of the Variable and Fixed Annuity Application (V3573 09/12), incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1, filed on September 4, 2012 (File No. 333-178774 and 811-08664).

c.
Form of the Perspective II Variable and Fixed Annuity Application (V620 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

d.
Form of the Variable and Fixed Annuity Application (V3573 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

e.
Form of the Perspective II Variable and Fixed Annuity Application (V620 09/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183048 and 811-08664).

f.
Form of the Variable and Fixed Annuity Application (V3573 09/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183048 and 811-08664).

g.
Form of the Perspective II Variable and Fixed Annuity Application (V620 04/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on April 21, 2014 (File Nos. 333-183048 and 811-08664).

h.
Form of the Variable and Fixed Annuity Application (V3573 04/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on April 21, 2014 (File Nos. 333-183048 and 811-08664).

i.
Form of the Perspective II Variable and Fixed Annuity Application (V620 09/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 10, filed on June 11, 2014 (File Nos. 333-183048 and 811-08664).

j.
Form of the Variable and Fixed Annuity Application (V3573 09/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 10, filed on June 11, 2014 (File Nos. 333-183048 and 811-08664).

k.
Form of the Perspective II Variable and Fixed Annuity Application (V620 09/14), attached hereto.

l.
Form of the Variable and Fixed Annuity Application (V3573 09/14), attached hereto.

6.

a.
Articles of Incorporation of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).

b.
By-laws of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).

c.
Amended By-laws of Jackson National Life Insurance Company, incorporated herein by reference to the Registration Statement, filed on December 31, 2012 (File Nos. 333-185768 and 811-04405).

7. Not Applicable.

8. Amended and Restated Administrative Services Agreement between Jackson National Asset Management, LLC and Jackson National Life Insurance Company, incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

9. Opinion and Consent of Counsel, attached hereto.

10. Consent of Independent Registered Public Accounting Firm, attached hereto.

11. Not Applicable.

12. Not Applicable.

26. Organizational Chart, attached hereto.

Item 25. Directors and Officers of the Depositor

Name and Principal Business Address
Positions and Offices with Depositor
 
 
Richard D. Ash
Senior Vice President, Chief Actuary & Appointed Actuary
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Steve P. Binioris
Senior Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Michele M. Binkley
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Dennis A. Blue
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Barrett M. Bonemer
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Jeffry R. Borton
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
David L. Bowers
Vice President
300 Innovation Drive
 
Franklin, TN 37067
 
 
 
John H. Brown
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Michael A. Costello
Senior Vice President, Treasurer & Controller
1 Corporate Way
 
Lansing, MI 48951
 
 
 
James B. Croom
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Charles F. Field, Jr.
Vice President
300 Innovation Drive
 
Franklin, TN 37067
 
 
 
Dana R. Malesky Flegler
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Devkumar D. Ganguly
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
James D. Garrison
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Julia A. Goatley
Senior Vice President, Chief Compliance & Governance Officer
1 Corporate Way
& Assistant Secretary
Lansing, MI 48951
 
 
 
John K. Haack
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Robert W. Hajdu
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Laura L. Hanson
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Robert L. Hill
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Thomas P. Hyatte
Senior Vice President, Chief Risk Officer & Director
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Clifford J. Jack
Executive Vice President & Head of Retail
7601 Technology Way
 
Denver, CO 80237
 
 
 
Thomas A. Janda
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Scott Klus
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Toni L. Klus
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Leandra R. Knes
Director
225 W. Wacker Drive
 
Suite 1200
 
Chicago, IL 60606
 
 
 
Richard C. Liphardt
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Machelle A. McAdory
Senior Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Diahn M. McHenry
Vice President
5913 Executive Drive
 
Lansing, MI 48911
 
 
 
Thomas J. Meyer
Senior Vice President,
1 Corporate Way
General Counsel & Secretary
Lansing, MI 48951
 
 
 
Dean M. Miller
Vice President
300 Connell Drive
 
Suite 2100
 
Berkeley Heights, NJ 07922
 
 
 
Keith R. Moore
Senior Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Jacky Morin
Vice President
300 Connell Drive
 
Suite 2100
 
Berkeley Heights, NJ 09722
 
 
 
P. Chad Myers
Executive Vice President, Chief Financial Officer & Director
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Russell E. Peck
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Laura L. Prieskorn
Senior Vice President & Chief Administration Officer
1 Corporate Way
 
Lansing, Michigan 48951
 
 
 
Dana S. Rapier
Vice President
5913 Executive Drive
 
Lansing, MI 48911
 
 
 
William R. Schulz
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Muhammad S. Shami
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
James R. Sopha
Chief Operating Officer & Director
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Kenneth H. Stewart
Senior Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Heather R. Strang
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Marcia L. Wadsten
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Bonnie G. Wasgatt
Senior Vice President & Chief Information Officer
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Michael A. Wells
President, Chief Executive Officer & Chairman
300 Innovation Drive
 
Franklin, TN 37067
 

Item 26. Persons Controlled by or Under Common Control with the Depositor or Registrant.

The Registrant is a separate account of Jackson National Life Insurance Company ("Depositor"), a stock life insurance company organized under the laws of the state of Michigan.  The Depositor is a wholly owned subsidiary of Brooke Life Insurance Company and is ultimately a wholly owned subsidiary of Prudential plc (London, England), a publicly traded life insurance company in the United Kingdom.

The following organizational chart for Prudential plc indicates those persons who are controlled by or under common control with the Depositor. No person is controlled by the Registrant.

The organizational chart for Prudential plc is incorporated herein by reference to Exhibit 26, attached hereto.

Item 27. Number of Contract Owners as of July 31, 2014

Qualified – 299,233
Non-Qualified – 141,258

Item 28. Indemnification

Provision is made in the Company's Amended By-Laws for indemnification by the Company of any person who was or is a party or is threatened to be made a party to a civil, criminal, administrative or Investigative action by reason of the fact that such person is or was a director, officer or employee of the Company, against expenses, including attorneys' fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceedings, to the extent and under the circumstances permitted by the General Corporation Law of the State of Michigan.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against liabilities  (other than the payment by the Company of expenses incurred or paid by a director, officer or controlling person of the Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate  jurisdiction  the question  whether  such  indemnification  by  it is  against  public  policy  as expressed  in the Act and will be  governed  by the final  adjudication  of such issue.

Item 29. Principal Underwriter

a)
Jackson National Life Distributors LLC acts as general distributor for the Jackson National Separate Account - I.  Jackson National Life Distributors LLC also acts as general distributor for the Jackson National Separate Account III, the Jackson National Separate Account IV, the Jackson National Separate Account V, the JNLNY Separate Account I, the JNLNY Separate Account II, the JNLNY Separate Account IV, the Jackson Sage Variable Annuity Account A, the Jackson Sage Variable Life Account A, the Jackson SWL Variable Annuity Fund I, the JNL Series Trust, JNL Variable Fund LLC, JNL Investors Series Trust, and Curian Variable Series Trust.

b)
Directors and Officers of Jackson National Life Distributors LLC:

Name and Business Address
Positions and Offices with Underwriter
 
 
Greg Cicotte
Manager, President & Chief Executive Officer
7601 Technology Way
 
Denver, CO  80237
 
 
 
Michael A. Costello
Manager
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Clifford J. Jack
Manager
7601 Technology Way
 
Denver, CO 80237
 
 
 
Thomas P. Hyatte
Manager
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Thomas J. Meyer
Manager & Secretary
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Stephen M. Ash
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Jeffrey Bain
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Brad Baker
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
James Bossert
Senior Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Tori Bullen
Senior Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Bill J. Burrow
Senior Vice President
7601 Technology Way
 
Denver, CO  80237
 
 
 
Maura Collins
Executive Vice President, Chief Financial Officer & FinOP
7601 Technology Way
 
Denver, CO 80237
 
 
 
Christopher Cord
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Julia A. Goatley
Assistant Secretary
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Luis Gomez
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Kevin Grant
Senior Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Elizabeth Griffith
Vice President
300 Innovation Drive
 
Franklin, TN 37067
 
 
 
Thomas Hurley
Senior Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Mark Jones
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Jim Livingston
Executive Vice President, Operations
7601 Technology Way
 
Denver, CO  80237
 
 
 
Doug Mantelli
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Jennifer Meyer
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Steven O'Connor
Vice President
7601 Technology Way
 
Denver, CO  80237
 
 
 
Allison Pearson
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Jeremy D. Rafferty
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Alison Reed
Senior Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Kristan L. Richardson
Assistant Secretary
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Scott Romine
Executive Vice President, National Sales Manager
7601 Technology Way
 
Denver, CO  80237
 
 
 
Marilynn Scherer
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Kathleen Schofield
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Melissa Sommer
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Daniel Starishevsky
Senior Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Ryan Strauser
Vice President
7601 Technology Way
 
Denver, VO 80237
 
 
 
Brian Sward
Vice President
7601 Technology Way
 
Denver, CO  80237
 
 
 
Jeremy Swartz
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Robin Tallman
Vice President & Controller
7601 Technology Way
 
Denver, CO 80237
 
 
 
Katie Turner
Vice President
7601 Technology Way
 
Denver, CO  80237
 
 
 
Brad Whiting
Vice President
7601 Technology Way
 
Denver, CO 80237
 
 
 
Daniel Wright
Senior Vice President & Chief Compliance Officer
7601 Technology Way
 
Denver, CO 80237
 
 
 
Phil Wright
Vice President
7601 Technology Way
 
Denver, CO 80237
 

(c)

Name of Principal Underwriter
Net Underwriting           Discounts and Commissions
Compensation on Redemption or               Annuitization
Brokerage Commissions
Compensation
 
Jackson National Life           Distributors LLC
 
Not Applicable
 
Not Applicable
 
Not Applicable
 
Not Applicable

Item. 30. Location of Accounts and Records

Jackson National Life Insurance Company
1 Corporate Way
Lansing, Michigan 48951

Jackson National Life Insurance Company
Institutional Marketing Group Service Center
1 Corporate Way
Lansing, Michigan 48951

Jackson National Life Insurance Company
7601 Technology Way
Denver, Colorado 80237

Jackson National Life Insurance Company
225 West Wacker Drive, Suite 1200
Chicago, IL  60606

Item. 31. Management Services

Not Applicable.

Item. 32. Undertakings and Representations

a)
Jackson National Life Insurance Company hereby undertakes to file a post-effective amendment to this registration statement as frequently as is necessary to ensure that the audited financial statements in the registration statement are never more than sixteen (16) months old for so long as payment under the variable annuity contracts may be accepted.

b)
Jackson National Life Insurance Company hereby undertakes to include either (1) as part of any application to purchase a contract offered by the Prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a postcard or similar written communication affixed to or included in the Prospectus that the applicant can remove to send for a Statement of Additional Information.

c)
Jackson National Life Insurance Company hereby undertakes to deliver any Statement of Additional Information and any financial statement required to be made available under this Form promptly upon written or oral request.

d)
Jackson National Life Insurance Company represents that the fees and charges deducted under the contract, in the aggregate, are reasonable in relation to the services rendered, the expenses to be incurred, and the risks assumed by Jackson National Life Insurance Company.

e)
The Registrant hereby represents that any contract offered by the prospectus and which is issued pursuant to Section 403(b) of the Internal Revenue Code of 1986 as amended, is issued by the Registrant in reliance upon, and in compliance with, the Securities and Exchange Commission's industry-wide no-action letter to the American Council of Life Insurance (publicly available November 28, 1988) which permits withdrawal restrictions to the extent necessary to comply with IRS Section 403(b)(11).

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets the requirements of Securities Act Rule 485(b) for effectiveness of this post-effective amendment to the Registration Statement and has caused this post-effective amendment to the Registration Statement to be signed on its behalf, in the City of Lansing, and State of Michigan, on this 11 th day of September, 2014.

Jackson National Separate Account - I
(Registrant)

Jackson National Life Insurance Company


By:    /s/ THOMAS J. MEYER                                                                                                   
Thomas J. Meyer
Senior Vice President, General Counsel
and Secretary

Jackson National Life Insurance Company
(Depositor)


By:    /s/ THOMAS J. MEYER                                                                                                   
Thomas J. Meyer
Senior Vice President, General Counsel
and Secretary

As required by the Securities Act of 1933, this post-effective amendment to the Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

 
 
*                                                                                     
September 11, 2014
Michael A. Wells, President, Chief
 
Executive Officer, Director and Chairman
 
 
 
 
 
 
 
*                                                                                     
September 11, 2014
James R. Sopha, Chief Operating Officer
 
and Director
 
 
 
 
 
 
 
*                                                                                     
September 11, 2014
P. Chad Myers, Executive Vice President,
Chief Financial Officer and Director
 
 
 
 
 
 
 
*                                                                                     
September 11, 2014
Michael A. Costello, Senior Vice President,
 
Treasurer and Controller
 

 
 
 
 
 
 
*                                                                                     
September 11, 2014
Leandra R. Knes, Director
 
 
 
 
 
 
 
*                                                                                     
September 11, 2014
Thomas P. Hyatte, Senior Vice President,
Chief Risk Officer and Director
 


* By:    /s/ THOMAS J. MEYER                                                                                                   
Thomas J. Meyer, as Attorney-in-Fact,
pursuant to Power of Attorney filed herewith.

POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned as directors and/or officers of JACKSON NATIONAL LIFE INSURANCE COMPANY (the Depositor), a Michigan corporation, hereby appoint Michael A. Wells, P. Chad Myers, Thomas J. Meyer, Patrick W. Garcy, Susan S. Rhee, and Anthony L. Dowling (each with power to act without the others) his/her attorney-in-fact and agent, with full power of substitution and resubstitution, for and in his/her name, place and stead, in any and all capacities, to sign applications and registration  statements,  and any and all amendments, with power to affix the corporate seal and to attest it, and to file the applications, registration statements, and amendments, with all exhibits and  requirements, in accordance with the Securities Act of 1933, the Securities and Exchange Act of 1934, and/or the Investment Company Act of 1940.  This Power of Attorney concerns Jackson National Separate Account - I (File Nos. 033-82080, 333-70472, 333-73850, 333-118368, 333-119656, 333-132128, 333-136472, 333-155675, 333-172874, 333-172875, 333-172877, 333-175718, 333-175719, 333-176619, 333-178774, 333-183048, 333-183049, 333-183050, and 333-192971), Jackson National Separate Account III (File No. 333-41153), Jackson National Separate Account IV (File Nos. 333-108433 and 333-118131), and Jackson National Separate Account V (File No. 333-70697), as well as any future separate account(s) and/or future file number(s) within any separate account(s) that the Depositor establishes through which securities, particularly variable annuity contracts and variable universal life insurance policies, are to be offered for sale.  The undersigned grant to each attorney-in-fact and agent full authority to take all necessary actions to effectuate the above as fully, to all intents and purposes, as he/she could do in person, thereby ratifying and confirming all that said attorneys-in-fact and agents, or any one of them, may lawfully do or cause to be done by virtue hereof.  This instrument may be executed in one or more counterparts.

IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney effective as of the 31 st day of March, 2014.

/s/  MICHAEL A. WELLS
_____________________________________________
Michael A. Wells, President, Chief Executive Officer,
Chairman and Director

/s/  JAMES R. SOPHA
_____________________________________________
James R. Sopha, Chief Operating Officer and Director

/s/  P. CHAD MYERS
_____________________________________________
P. Chad Myers, Executive Vice President, Chief Financial
Officer and Director

/s/  THOMAS P. HYATTE
_____________________________________________
Thomas P. Hyatte, Senior Vice President, Chief Risk
Officer and Director

/s/  MICHAEL A. COSTELLO
_____________________________________________
Michael A. Costello, Senior Vice President, Treasurer
and Controller

/s/  LEANDRA R. KNES
_____________________________________________
Leandra R. Knes, Director






EXHIBIT LIST

Exhibit No.                            Description


3d. Specimen of Selling Agreement (V2565 06/14).

5k.               Form of the Perspective II Variable and Fixed Annuity Application (V620 09/14).

5l.              Form of the Variable and Fixed Annuity Application (V3573 09/14).

9. Opinion and Consent of Counsel.

10. Consent of Independent Registered Public Accounting Firm.

26. Organizational Chart.
 
EX-3d
 
 
EX-5k
 
 
EX-5l
 
 
EX-9
 






September 11, 2014



Board of Directors
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI  48951

Re: Jackson National Life Insurance Company
Jackson National Separate Account - I
File Nos.  333-183048 and 811-08664

Directors:

You have requested our Opinion of Counsel in connection with the filing with the Securities and Exchange Commission of the Post-Effective Amendment No. 13 to the Registration Statement on Form N-4 for the Individual Fixed and Variable Annuity Contracts (the "Contracts") to be issued by Jackson National Life Insurance Company and its separate account, Jackson National Separate Account - I.

We have made such examination of the law and have examined such records and documents as in our judgment are necessary or appropriate to enable us to render the opinions expressed below.

We are of the following opinions:

1.
Jackson National Separate Account - I is a Unit Investment Trust as that term is defined in Section 4(2) of the Investment Company Act of 1940 (the "Act"), and is currently registered with the Securities and Exchange Commission, pursuant to Section 8(a) of the Act.
 
2.
Upon the acceptance of premiums made by an Owner pursuant to a Contract issued in accordance with the Prospectus contained in the Registration Statement and upon compliance with applicable law, such an Owner will have a legally issued, fully paid, non-assessable contractual interest under such Contract.

You may use this opinion letter, or a copy thereof, as an exhibit to the Post-Effective Amendment No. 13 to the Registration Statement.

Respectfully,

/s/ FRANK J. JULIAN

Frank J. Julian
Assistant Vice President, Legal


EX-10
 
 
EX-26
 
 
Organizational Chart

 
Company
 
 
State of Organization
 
 
Control/Ownership
 
Allied Life Brokerage Agency, Inc.
 
Iowa
 
100% Jackson National
Life Insurance Company
 
 
Ascent Holdings Limited
 
 
 
England
 
50% M&G Real Estate Limited
 
 
Ascent Insurance Brokers (Corporate) Limited
 
 
England
 
 
100% Ascent Insurance Brokers Limited
 
Ascent Insurance Brokers Limited
 
England
 
 
100% Ascent Holdings  Limited
 
 
Ascent Insurance Management Limited
 
 
England
 
 
100% Ascent Holdings Limited
 
BOCI – Prudential Asset Management Limited
 
Hong Kong
 
36% Prudential Corporation Holdings Limited
 
 
BOCI – Prudential Trustee Limited
 
Hong Kong
 
 
36% Prudential Corporation Holdings Limited
 
 
Brooke (Holdco1) Inc.
 
 
Delaware
 
100% Prudential (US Holdco 1) Limited
 
Brooke Holdings LLC
 
 
Delaware
 
100% Nicole Finance Inc.
 
Brooke Holdings (UK)
 
 
United Kingdom
 
100% Prudential Group Holdings Limited
 
Brooke Life Insurance Company
 
 
Michigan
 
100% Brooke Holdings LLC
 
Brooke UK LLC
 
Delaware
 
100% Brooke (Holdco 1) Inc.
 
Calvin F1 GP Limited
 
Scotland
 
100% M&G Limited
Calvin F2GP Limited
 
Scotland
 
100% M&G Limited
 
Canada Property (Trustee) No 1 Limited
 
 
Jersey
 
100% Canada Property Holdings Limited
 
 
Canada Property Holdings Limited
 
England
 
100% M&G Limited
 
CIMPL Pty Limited
 
Australia
 
100% PPM Capital (Holdings) Limited
 
CITIC  Prudential Life Insurance Company Limited
 
China
 
 
50% Prudential Corporation Holdings Limited
 
CITIC-CP Asset Management Co., Ltd.
 
China
 
55% CITIC-Prudential Fund Management Company Limited
 
CITIC – Prudential Fund Management Company Limited
 
China
 
 
49% Prudential Corporation Holdings Limited
 
 
Curian Capital, LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Curian Clearing LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Eastspring Al-Wara Investments Berhad
 
 
Malaysia
 
 
100% Prudential Corporation Holdings Limited
 
 
Eastspring Asset Management Korea Co. Ltd.
 
 
Korea
 
 
100% Prudential Corporation Holdings Limited
 
 
Eastspring Investments (Hong Kong) Limited
 
 
Hong Kong
 
 
100% Prudential Corporation Holdings Limited
 
 
Eastspring Investments (Luxembourg) S.A.
 
 
Luxembourg
 
 
 100% Prudential Holdings Limited
 
 
Eastspring Investments (Singapore) Limited
 
 
Singapore
 
 
100% Prudential Singapore Holdings Pte. Limited
 
Eastspring Investments (UK) Limited
 
 
England
 
 
100% Prudential Corporation Holdings Limited
 
Eastspring Investments Berhad
 
Malaysia
 
 
100% Nova Sepadu Sdn. Bhd.
 
 
Eastspring Investments Fund Management Limited Liability Company
 
 
Vietnam
 
 
100% Prudential Vietnam Assurance Private Ltd
 
Eastspring Investments Incorporated
 
Delaware
 
100% Prudential Holdings Limited
Eastspring Investments Limited
Japan
 
100% Prudential Corporation Holdings Limited
 
Eastspring Investments Limited
United Arab Emirates
 
100% Prudential Corporation Holdings Limited
 
 
Eastspring Securities Investment Trust Co. Ltd.
 
 
Taiwan
 
 
99.54% Prudential Corporation Holdings Limited
Eastspring Investments Services Pte. Ltd.
 
Singapore
 
 
100% Prudential Singapore Holdings Pte. Limited
 
Falan GP Limited
 
Scotland
 
100% M&G Limited
 
First Dakota, Inc.
 
North Dakota
 
100% IFC Holdings, Inc.
 
 
First Dakota of Montana, Inc.
 
 
Montana
 
100% IFC Holdings, Inc.
 
First Dakota of New Mexico, Inc.
 
 
New Mexico
 
100% IFC Holdings, Inc.
 
First Dakota of Texas, Inc.
 
 
Texas
 
100% IFC Holdings, Inc.
 
First Dakota of Wyoming, Inc.
 
 
Wyoming
 
100% IFC Holdings, Inc.
 
Furnival Insurance Company PCC Limited
 
 
Guernsey
 
100% Prudential Group Holdings Limited
 
GS Twenty Two Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
 
Geoffrey Snushall Limited
 
 
England
 
 
100% Snushalls Team Limited
 
Health Protect Limited
 
England
 
 
100% Prudential Health Holdings Limited
 
Hermitage Management, LLC
 
 
Michigan
 
100% Jackson National Life Company Insurance
 
 
Holborn Bars Nominees Limited
 
 
England
 
100% M&G Investment Management Limited
 
 
Holborn Finance Holding Company
 
 
England
 
100% Prudential Group Holdings Limited
 
Holtwood Limited
 
 
Isle of Man
 
100% Prudential Property Holding Limited
 
 
Hyde Holdco 1 Limited
 
 
England
 
100% Prudential Group  Holdings Limited
 
 
ICICI Prudential Asset Management Company Limited
 
 
India
 
 
49% Prudential Corporation Holdings Limited
 
ICICI Prudential Life Insurance Company Limited
 
 
India
 
 
25.94% Prudential Corporation Holdings Limited
 
ICICI Prudential Pension Funds Management Company Ltd.
 
India
 
 
100% ICICI Prudential Life Insurance Company Limited
 
 
ICICI Prudential Trust Limited
 
 
India
 
49% Prudential Corporation Holdings Limited
 
 
IFC Holdings, Inc.
d/b/a INVEST Financial Corporation
 
 
Delaware
 
100% National Planning Holdings Inc.
 
Insure Your Health Limited
 
 
England
 
100% Prudential Health Holdings Limited
 
 
INVEST Financial Corporation Insurance Agency Inc. of Alabama
 
 
Alabama
 
 
100% INVEST Financial Corporation Insurance Agency, Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Connecticut
 
 
Connecticut
 
 
100% INVEST Financial Corporation Insurance Agency, Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
 
Delaware
 
 
100% IFC Holdings, Inc. d/b/a INVEST Financial Corporation
 
INVEST  Financial Corporation Insurance Agency Inc. of Georgia
 
 
Georgia
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Illinois
 
 
Illinois
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Maryland
 
 
Maryland
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Massachusetts
 
 
Massachusetts
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Montana
 
 
Montana
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Nevada
 
 
Nevada
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of New Mexico
 
 
New Mexico
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Ohio
 
 
Ohio
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Oklahoma
 
 
Oklahoma
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of South Carolina
 
 
South Carolina
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Texas
 
 
Texas
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency Inc. of Wyoming
 
 
Wyoming
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
INVEST Financial Corporation Insurance Agency PA of Mississippi
 
 
Mississippi
 
 
100% INVEST Financial Corporation Insurance Agency Inc. of Delaware
 
Infracapital CI II Limited
 
Scotland
 
100% M&G Limited
 
 
Infracapital DF II Limited
 
Scotland
 
100% M&G Limited
 
 
Infracapital Employee Feeder GP Limited
 
 
Scotland
 
100% M&G Limited
 
 
Infracapital GP Limited
 
 
England
 
 
100% M&G Limited
 
Infracapital GP II Limited
 
 
England
 
 
100% M&G Limited
 
 
Infracapital Nominees Limited
 
 
England
 
 
100% M&G Limited
 
Infracapital SLP Limited
 
England
 
 
100% M&G Limited
 
 
Innisfree M&G PPP LLP
 
 
England
 
 
35% M&G IMPPP1 Limited
 
Investment Centers of America, Inc.
 
 
North Dakota
 
100% IFC Holdings, Inc.
 
 
Jackson National Asset Management, LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Jackson National Life (Bermuda) Ltd.
 
 
Bermuda
 
100% Jackson National Life Insurance Company
 
 
Jackson National Life Distributors LLC
 
 
Delaware
 
100% Jackson National Life Insurance Company
 
 
Jackson National Life Insurance Company
 
 
Michigan
 
 
100% Brooke Life Insurance Company
 
 
Jackson National Life Insurance Company of New York
 
 
New York
 
100% Jackson National Life Insurance Company
 
 
JNL Southeast Agency, LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Livicos Limited
 
 
Ireland
 
100% Prudential  Property Holding Limited
 
M&G (Guernsey) Limited
 
 
Guernsey
 
100% M&G Limited
 
M&G Alternatives Investment Management Limited
 
England
 
100% M&G Limited
 
M&G Financial Services Limited
 
 
United Kingdom
 
100% M&G Limited
 
M&G Founders 1 Limited
 
 
United Kingdom
 
100% M&G Limited
 
M&G General Partner Inc.
 
 
Cayman Islands
 
100% M&G Limited
 
M&G Group Limited
 
 
England
 
 
100% Prudential plc
 
M&G IMPPP 1 Limited
 
 
United Kingdom
 
100% M&G Limited
 
 
M&G International Investments Limited
 
 
England
 
100% M&G Limited
 
M&G International Investments Nominees Limited
 
 
England
 
 
100% M&G International Investments Limited
 
M&G Investment Management Limited
 
 
England
 
 
100% M&G Limited
 
M&G Investments (Hong Kong) Limited
 
 
Hong Kong
 
100%  M&G Limited
 
M&G Investments (Singapore) Pte. Ltd.
 
 
Singapore
 
100% M&G Limited
 
M&G Limited
 
 
England
 
 
100% M&G Group Limited
 
 
M&G Management Services Limited
 
 
England
 
 
100% M&G Limited
 
M&G Nominees Limited
 
 
United Kingdom
 
100% M&G Limited
M&G Real Estate Asia PTE Ltd.
Singapore
67% M&G Real Estate Limited
33% Prudential Singapore Holdings Pte Ltd.
M&G Real Estate Funds Management S.a.r.l
Luxembourg
100%  M&G Real Estate Limited
 
M&G Real Estate Japan Co. Ltd.
 
Japan
 
100% M&G Real Estate Asia PTE Ltd.
M&G Real Estate Limited
 
England
 
100% M&G Limited
M&G Real Estate Korea Co. Ltd.
 
Korea
 
100% M&G Real Estate Asia PTE Ltd.
M&G Real Estate (Luxembourg) Limited
 
Luxembourg
 
100% M&G Real Estate Limited
 
M&G RED Employee Feeder GP Limited
 
 
Scotland
 
 
100% M&G Limited
 
M&G RED GP Limited
 
 
Guernsey
 
100% M&G Limited
M&G RED II Employee Feeder GP Limited
 
Scotland
 
100% M&G Limited
M&G RED II GP Limited
 
Guernsey
 
100% M&G Limited
M&G RED II SLP GP Limited
 
Scotland
 
100% M&G Limited
M&G RED III Employee Feeder GP Limited
 
Scotland
 
100% M&G Limited
M&G RED III GP Limited
 
Guernsey
 
100% M&G Limited
M&G RED III SLP GP Limited
 
Scotland
 
100% M&G Limited
 
M&G RED SLP GP Limited
 
 
Scotland
 
100% M&G Limited
M&G RPF GP Limited
England
100% M&G Real Estate Limited
 
M&G RPF Nominee 1 Limited
England
100%  M&G RPF GP Limited
 
M&G RPF Nominee 2 Limited
England
100%  M&G RPF GP Limited
 
M&G SIF Management Company (Ireland) Limited
 
Ireland
 
100% M&G Limited
 
M&G Securities Limited
 
 
United Kingdom
 
100% M&G Limited
M&G UK Property GP Limited
 
England
 
100% M&G Real Estate Limited
M&G UK Property Nominee 1 Limited
 
England
 
100% M&G UK Property GP Limited
M&G UK Property Nominee 2 Limited
 
England
 
100% M &G Property GP Limited
M&G UKCF II GP Limited
 
England
 
100% M&G Limited
 
MM&S (2375) Limited
 
 
Scotland
 
100% The Prudential Assurance Company Limited
 
 
Mission Plans of America, Inc.
 
Texas
 
100% Jackson National Life Insurance Company
 
 
National Planning Corporation
 
 
Delaware
 
100% National Planning Holdings, Inc.
 
 
National Planning Corporation Insurance Agency Inc. of Nevada
 
 
Nevada
 
 
100% National Planning Corporation
 
National Planning Holdings, Inc.
 
 
Delaware
 
100% Brooke Holdings LLC
 
 
National Planning Insurance Agency Inc.
 
 
Alabama
 
 
100% National Planning Corporation
 
National Planning Insurance Agency Inc.
 
 
Florida
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Georgia
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Idaho
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Massachusetts
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Montana
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Oklahoma
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Texas
 
100% National Planning Corporation
 
 
National Planning Insurance Agency Inc.
 
 
Wyoming
 
100% National Planning Corporation
 
 
Nicole Finance Inc.
 
 
Delaware
 
100% Brooke UK LLC
 
North Sathorn Holdings Company Limited
 
 
Thailand
 
 
100% Prudential Corporation Holdings Limited
 
Nova Sepadu Sdn Bhd
 
 
Malaysia
 
96% Sri Han Suria Sdn Berhad
PCA IP Services Limited
Hong Kong
100% Prudential Corporation Holdings Limited
 
 
PCA Life Assurance Co. Ltd.
 
 
Taiwan
 
 
99.79% Prudential Corporation Holdings Limited
 
PCA Life Insurance Company Limited (Japan)
 
 
Japan
 
 
100% Prudential Corporation Holdings Limited
 
PCA Life Insurance Company , Ltd.  (Korea)
 
 
Korea
 
 
100% Prudential Corporation Holdings Limited
PCA Reinsurance Co. Ltd.
 
Malaysia
 
100% Prudential Holdings Limited
 
PGDS (UK One) Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
PGDS (US One) LLC
 
 
Delaware
 
100% Jackson National Life Insurance Company
 
 
PPM America, Inc.
 
 
Delaware
 
100% PPM Holdings, Inc.
 
 
PPM Capital (Holdings) Limited
 
 
England
 
 
100% M&G Limited
 
PPM Finance, Inc.
 
Delaware
 
100% PPM Holdings, Inc.
 
 
PPM Holdings, Inc.
 
 
Delaware
 
100% Brooke Holdings LLC
 
PPM Managers GP Limited
 
Scotland
 
100% M&G Limited
 
PPM Ventures (Asia) Limited
 
 
Hong Kong
 
100% PPM Capital (Holdings) Limited
 
PPMC First Nominees Limited
 
 
England
 
 
100% The Prudential Assurance Company Limited
 
PPS Five Limited
 
 
England
 
 
100% Reeds Rains Prudential Limited
 
 
PPS Nine Limited
 
 
United Kingdom
 
100% Prudential Property Services Limited
 
 
PPS Twelve Limited
 
United Kingdom
 
100% Prudential Property Services Limited
 
 
PT Eastspring Investments Indonesia
 
Indonesia
99% Eastspring Investments (Hong Kong) Limited
 
PT Prudential Life Assurance
 
 
Indonesia
 
94.62% Prudential Corporation Holdings  Limited
 
 
PVM Partnerships Limited
 
 
United Kingdom
 
100% The Prudential Assurance Company Limited
 
 
Pacus (UK) Limited
 
 
United Kingdom
 
100% The Prudential Assurance Company Limited
 
 
Park Avenue (Singapore Two)
 
 
Gibraltar
 
100% Prudential Group Holdings Limited
 
 
Pru Life Insurance Corporation of UK
 
 
Philippines
 
 
100% Prudential Corporation Holdings Limited
 
 
Prudence Foundation Limited
 
Hong Kong
 
100% Prudential Corporation Holdings Limited
 
Prudential (Cambodia) Life Assurance Plc
 
Cambodia
 
100% Prudential Corporation Holdings Limited
 
Prudential (Gibraltar Two) S.a.r.l.
 
Luxembourg
 
 
100% Prudential Capital Holding Company Limited
 
 
Prudential (Gibraltar) Limited
 
 
Gibraltar
 
100% Prudential Group Holdings Limited
 
 
Prudential (Namibia) Unit Trusts Limited
 
 
Namibia
 
 
93% Prudential Portfolio Managers (Namibia) (Pty) Limited
 
Prudential (Netherlands One) Limited
 
 
England
 
100% Prudential Group Holdings Limited
 
Prudential (Netherlands) BV
 
 
Netherlands
 
100% Prudential Group Holdings Limited
 
 
Prudential (US Holdco 1) Limited
 
England
 
 
100% Prudential US Limited
 
 
Prudential / M&G UKCF GP Limited
 
 
England
 
100% M&G Limited
 
Prudential Annuities Limited
 
 
England
 
100% The Prudential Assurance Company Limited
 
 
Prudential Assurance Company Singapore (Pte) Limited
 
 
Singapore
 
 
100% Prudential Singapore Holdings Pte Limited
 
Prudential Assurance Malaysia Berhad
 
 
Malaysia
 
 
100% Sri Han Suria Sdn Berhad
 
Prudential Australia One Limited
 
 
England
 
100% Prudential Group Holdings Limited
 
 
Prudential BSN Takaful Berhad
 
 
Malaysia
 
49% Prudential Corporation Holdings Limited
51% BSN (JV Partner)
 
 
Prudential Capital (Singapore) Pte.  Ltd.
 
 
Singapore
 
 
100% Prudential Capital Holding Company Ltd.
 
Prudential Capital Holding Company Limited
 
 
England
 
 
100% Prudential plc
 
Prudential Capital PLC
 
 
England
 
100% Prudential Capital Holding Company Limited
 
 
Prudential Capital Luxembourg S.a.r.l.
 
 
Luxembourg
 
 
100% Prudential Capital Holding Company Ltd.
 
Prudential Corporate Pensions Trustee Limited
 
 
England
 
 
100% The Prudential Assurance Company Limited
 
Prudential Corporation Asia Limited
 
 
Hong Kong
 
 
100% Prudential plc
 
 
Prudential Corporation Australasia Holdings Pty Limited
 
 
Australia
 
 
100% Prudential Group Holdings Limited
 
Prudential plc
 
 
England
 
 
Publicly Traded
 
Prudential Corporation Holdings Limited
 
 
England
 
 
100% Prudential Holdings Limited
 
 
Prudential Corporation Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
 
Prudential Distribution Limited
 
 
Scotland
 
100% Prudential Financial Services Limited
 
 
Prudential Europe Assurance Holdings Limited
 
Scotland
 
 
100% MM&S (2375) Limited
 
Prudential Financial Planning Limited
 
 
England
 
 
100% Prudential Financial Services Limited
 
Prudential Financial Services Limited
 
 
England
 
 
100% Prudential plc
 
Prudential Five Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
 
Prudential GP Limited
 
 
Scotland
 
100% M&G Limited
 
Prudential General Insurance Hong Kong Limited
 
 
Hong Kong
 
 
100% The Prudential Assurance Company Limited
 
Prudential Group Holdings Limited
 
 
England
 
100% Prudential plc
 
Prudential Group Pensions Limited
 
 
England
 
100% Prudential Financial Services Limited
 
 
Prudential Group Secretarial Services Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
Prudential Health Holdings Limited
 
 
England
 
25% The Prudential Assurance Company Limited
 
 
Prudential Health Limited
 
 
England
 
100% Prudential Health Insurance Limited
 
 
Prudential Health Insurance Limited
 
 
England
 
100% Prudential Health Holdings Limited
 
 
Prudential Health Services Limited
 
 
England
 
100% Prudential Health Holdings Limited
 
 
Prudential Holborn Life Limited
 
 
England
 
100% The Prudential Assurance Company Limited
 
 
Prudential Holdings Limited
 
 
Scotland
 
100% Prudential  Corporation Asia Limited
 
 
Prudential Hong Kong Limited
 
 
Hong Kong
 
100% The Prudential Assurance Company Limited
 
 
Prudential IP Services Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
 
Prudential International Assurance plc
 
 
Ireland
 
 
100% Prudential Europe Assurance Holdings plc
 
Prudential International Management Services Limited
 
 
Ireland
 
 
100% Prudential Europe Assurance Holdings plc
Prudential International Staff Pensions Limited
 
England
 
100% Prudential Group Holdings Limited
 
Prudential Lalondes Limited
 
 
England
 
100% Prudential Property Services Limited
 
 
Prudential Life Assurance (Thailand) Public Company Limited
 
 
Thailand
 
51.21% Staple Limited
 
48.72% Prudential Corporation Holdings Limited
 
0.07% Others
 
Prudential Life Insurance Ghana Limited
 
Ghana
 
100% Prudential Corporation Limited
 
Prudential Lifetime Mortgages Limited
 
 
Scotland
 
 
100% The Prudential Assurance Company Limited
 
Prudential Pensions Limited
 
 
England
 
100% The Prudential Assurance Company Limited
 
 
Prudential Polska sp.z.oo
 
Poland
 
 
100% Prudential Financial Services Limited
 
Prudential Portfolio Management Group Limited
 
England
 
100% Prudential Group Holdings Limited
 
Prudential Portfolio Managers (Namibia) (Pty) Limited
 
 
Namibia
 
 
75% Prudential Portfolio Managers (South Africa) (Pty) Limited
 
Prudential Portfolio Managers (South Africa) (Pty) Limited
 
 
South Africa
 
 
49.99% M&G Limited
 
Prudential Portfolio Managers (South Africa) Life Limited
 
 
South Africa
 
 
99.4% Prudential Portfolio Managers (South Africa) (Pty) Limited
 
Prudential Portfolio Managers Unit Trusts Limited
 
 
South Africa
 
 
94% Prudential Portfolio Managers (South Africa) (Pty) Limited
 
Prudential Process Management Services India Private Limited
 
 
India
 
99.97% Prudential Corporation Holdings Limited
 
0.03% Prudential UK Services Limited
 
 
Prudential Property Holding Limited
 
 
England
100% Prudential Group Holdings Limited
 
 
Prudential Properties Trusty Pty Limited
 
 
Australia
 
 
100% The Prudential Assurance Company Limited
 
Prudential Property Investment Managers Limited
 
 
United Kingdom
 
 
100% M&G Real Estate Limited
 
Prudential Property Services (Bristol) Limited
 
 
England
 
100% Prudential Property Services Limited
 
Prudential Property Services Limited
 
 
England
 
 
100% Prudential plc
 
Prudential Protect Limited
 
 
England
 
 
100% Prudential Health Holdings Limited
 
 
Prudential Quest Limited
 
 
England
 
 
100% Prudential Group Holdings Limited
 
 
Prudential Retirement Income Limited
 
Scotland
 
100% The Prudential Assurance Company Limited
 
 
Prudential Services Asia Sdn Bhd
 
 
Malaysia
 
100% Prudential Corporation Holdings Limited
 
 
Prudential Services Limited
 
 
England
 
100% Prudential Group Holdings Limited
 
 
Prudential Services Singapore Pte Limited
 
 
Singapore
 
 
100% Prudential Singapore Holdings Pte Limited
 
Prudential Singapore Holdings Pte Limited
 
 
Singapore
 
 
100% Prudential Corporation Holdings Limited
 
Prudential Staff Pensions Limited
 
 
England
 
100% Prudential Group Holdings Limited
 
 
Prudential Trustee Company Limited
 
 
England
 
 
100% M&G Limited
 
Prudential UK Services Limited
 
 
Scotland
 
100% Prudential Financial Services Limited
 
 
Prudential US Limited
 
 
England
 
 
100% Prudential plc
 
 
Prudential Unit Trusts Limited
 
 
England
 
 
100% M&G Limited
 
Prudential Vietnam Assurance Private Limited
 
 
Vietnam
 
 
100% Prudential Corporation Holdings Limited
 
Prudential Vietnam Finance Company Limited
 
 
Vietnam
 
100% Prudential Holborn Life Limited
 
Prutec Limited
 
 
England
 
100% The Prudential Assurance Company Limited
 
REALIC of Jacksonville Plans, Inc.
Texas
 
100% Jackson National  Life Insurance Company
 
 
Reeds Rain Prudential Limited
 
 
United Kingdom
 
100% Prudential Property Services Limited
 
 
ROP, Inc.
 
Delaware
 
 
100% Jackson National Life Insurance Company
 
Rift GP 1 Limited
 
Scotland
 
100% M&G Limited
Rift GP 2 Limited
 
Scotland
 
100% M&G Limited
 
SII Insurance Agency, Inc.
 
 
Massachusetts
 
100% SII Investments, Inc.
 
SII Insurance Agency, Inc.
 
 
Wisconsin
 
100% SII Investments, Inc.
 
SII Investments, Inc.
 
 
Wisconsin
 
100% National Planning Holdings, Inc.
 
 
SII Ohio Insurance Agency, Inc.
 
 
Ohio
 
100% SII Investments, Inc.
ScotAm Pension Trustees Limited
 
Scotland
 
100% Prudential Financial Services Limited
 
Scottish Amicable Finance plc
 
 
Scotland
 
100% The Prudential Assurance Company Limited
 
 
Scottish Amicable ISA Managers Limited
 
 
Scotland
 
 
100% The Prudential Assurance Company Limited
 
Scottish Amicable Life Assurance Society
 
 
Scotland
 
 
100% The Prudential Assurance Company Limited
 
Scottish Amicable PEP and ISA Nominees Limited
 
 
Scotland
 
 
100% Scottish Amicable Life Assurance Society
 
Snushalls Team Limited
 
 
England
 
100% Prudential Property Services Limited
 
 
Squire Reassurance Company LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Squire Capital I LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Squire Capital II LLC
 
 
Michigan
 
100% Jackson National Life Insurance Company
 
 
Sri Han Suria Sdn Berhad
 
 
Malaysia
 
51% Prudential Corporation Holdings Limited
 
 
SRLC Management America Corp.
 
Delaware
 
100% Jackson National Life Insurance Company
 
 
Stableview Limited
 
 
England
 
 
100% M&G Limited
 
Staple Limited
 
 
Thailand
 
100% Prudential Corporation Holdings Limited
 
 
Staple Nominees Limited
 
 
England
 
100% Prudential Personal Equity Plans Limited
 
 
Thames Insurance Brokers Limited
 
England
 
100% Ascent Insurance Brokers Limited
 
 
Thanachart Life Assurance Public Company Limited
 
Thailand
100% Prudential Life Assurance (Thailand) Public Company Limited
 
The First British Fixed Trust Company Limited
 
 
England
 
 
100% M&G Limited
 
The Prudential Assurance Company Limited
 
 
England
 
 
100% Prudential plc
Thor GP Limited
 
Scotland
 
100% M&G Limited
 
True Prospect Limited
 
 
British Virgin Islands
 
100% Prudential Corporation Holdings Limited
 
 
VFL International Life Company SPC, Ltd.
 
 
Cayman Islands
 
100% Jackson National Life Insurance Company