As filed with the Securities and Exchange Commission on September 11, 2014
Commission File Nos.  333-183046
811-08401


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.  351
[X]


JNLNY SEPARATE ACCOUNT I
(Exact Name of Registrant)

JACKSON NATIONAL LIFE INSURANCE COMPANY OF NEW YORK
(Name of Depositor)

2900 Westchester Avenue, Purchase, New York 10577
(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 of New York ® through
JNLNY 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 Jackson of NY Service Center, P.O. Box 30313, Lansing, Michigan, 48909-7813; 1-800-599-5651; 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% Tables and the Optional Income Upgrade  Tables , respectively , appearing on pages 64 and 90 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 4 of the prospectus:

For Life GMWB With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount Maximum Annual Charge ("LifeGuard Freedom 6 Net ® ") 16
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") 18
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%

16 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 monthly. 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 34, as
Page 1 of 10


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 62.
18 3.00% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable monthly. 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 35, 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 88.

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 34 of the prospectus:

a)
The first and second sentences of the first paragraph are deleted and replaced with the following:

The charge for this GMWB varies depending on which GAWA% table you elect: if you elect the Income Stream Level 1 GAWA% Table, you will pay 0.0725% of the GWB each Contract Month (0.87% annually); if you elect the Income Stream Level 2 GAWA% Table, you will pay 0.08% of the GWB each Contract Month (0.96% annually); if you elect the Income Stream Level 3 GAWA% Table, you will pay 0.0875% of the GWB each Contract Month (1.05% annually); if you elect the Income Stream Level 4 GAWA% Table, you will pay 0.105% of the GWB each Contract Month (1.26% annually); and if you elect the Income Stream Level 5 GAWA% Table, you will pay 0.125% of the GWB each Contract Month (1.50% annually).  For endorsements purchased on or after April 29, 2013 and before September 15, 2014 , if you elect this GMWB without the Optional Income Upgrade Table you will pay 0.105% of the GWB each Contract Month (1.26% annually), and if you elect the Optional Income Upgrade Table, you will pay 0.125% of the GWB each Contract Month (1.50% annually).

b)
The first sentence of the second paragraph is deleted and replaced with the following:

We reserve the right to prospectively change the charge on new Contracts or if you elect this benefit after your Contract is issued (subject to availability), subject to the maximum annual charge. The maximum annual charge is 1.74% annually for endorsements with the Income Stream Level 1 GAWA% Table, 1.92% annually for endorsements with the Income Stream Level 2 GAWA% Table, 2.10% annually for endorsements with the Income Stream Level 3 GAWA% Table, 2.52% annually for endorsements with the Income Stream Level 4 GAWA% Table, and 3.00% for endorsements with the Income Stream Level 5 GAWA% Table. For endorsements purchased on or after April 29, 2013 and before September 15, 2014 , the maximum annual charge is 2.52% annually for endorsements without the Optional Income Upgrade Table, and 3.00% for endorsements with the Optional Income Upgrade Table. For endorsements purchased before April 29, 2013 , the maximum annual charge is 2.22% annually for endorsements without the Optional Income Upgrade Table, and 2.70% for endorsements with the Optional Income Upgrade Table.

Under the section titled "For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex GMWB") Charge" on page 35 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 88.

GMWBS ISSUED ON OR AFTER SEPTEMBER 15, 2014

LifeGuard Freedom Flex GMWB With Income Stream
 Level 1 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
1.20%
0.60%
6% Bonus and Annual Step-Up
1.44%
0.72%
7% Bonus and Annual Step-Up
1.74%
0.87%
Charge Basis
GWB
Charge Frequency
Monthly

Page 2  of 10



LifeGuard Freedom Flex GMWB With Income Stream
Level 2 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
1.44%
0.72%
6% Bonus and Annual Step-Up
1.62%
0.81%
7% Bonus and Annual Step-Up
1.92%
0.96%
Charge Basis
GWB
Charge Frequency
Monthly
 

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

 
LifeGuard Freedom Flex GMWB With Income Stream
 Level 4 GAWA% Table
 
Annual Charge
 Options
Maximum
Current
5% Bonus and Annual Step-Up
2.04%
1.02%
6% Bonus and Annual Step-Up
2.22%
1.11%
7% Bonus and Annual Step-Up
2.52%
1.26%
Charge Basis
GWB
Charge Frequency
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream
Level 5 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
2.52%
1.26%
6% Bonus and Annual Step-Up
2.70%
1.35%
7% Bonus and Annual Step-Up
3.00%
1.50%
Charge Basis
GWB
Charge Frequency
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") ", on page 64 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.  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.

Under the section titled " LifeGuard Freedom Flex GMWB ", beginning on page 89 of the prospectus, the text immediately following the first paragraph under " Withdrawals " up to and including the paragraph immediately following the Base GAWA% Tables and Optional Income Upgrade Tables 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.  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:

For Endorsements Issued O n Or After September 15, 2014:
 
5% and 6% Bonus Options
 
 
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%
 

 
7% Bonus Option
 
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 – 69
3.50%
3.75%
4.00%
4.25%
4.50%
70 – 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 tables 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 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 76 and
Page 4 of 10


100 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 17 on page 7 and footnote 19 on page 8 of the prospectus are revised as follows:

17 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 monthly. 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 35, 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 74.
19 2.94% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable monthly. 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 Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex with Joint Option GMWB") Charge" beginning on page 37, 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 98.

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 35 of the prospectus:

a)
The first sentence of the first paragraph is deleted and replaced with the following:

The charge for this GMWB varies depending on which GAWA% table you elect: if you elect the Income Stream Level 1 GAWA% Table, you will pay 0.0975% of the GWB each Contract Month (1.17% annually); if you elect the Income Stream Level 2 GAWA% Table, you will pay 0.1125% of the GWB each Contract Month (1.35% annually); if you elect the Income Stream Level 3 GAWA% Table, you will pay 0.135% of the GWB each Contract Month (1.62% annually).  For endorsements purchased on or after September 16, 2013 and before September 15, 2014 , you will pay 0.135% of the GWB each Contract Month (1.62% annually).

b)
The first sentence of the second paragraph is deleted and replaced with the following:

We reserve the right to prospectively change the charge on new Contracts or if you elect this benefit after your Contract is issued (subject to availability), subject to the maximum annual charge. The maximum annual charge is 2.34% annually for endorsements with the Income Stream Level 1 GAWA% Table, 2.70% annually for endorsements with the Income Stream Level 2 GAWA% Table, and 3.00% annually for endorsements with the Income Stream Level 3 GAWA% Table. For endorsements purchased before September 15, 2014 , the maximum annual charge is 3.00% annually.

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 37 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 98.

GMWBS ISSUED ON OR AFTER SEPTEMBER 15, 2014

LifeGuard Freedom Flex With Joint Option GMWB With Income Stream Level 1 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
1.80%
0.90%
6% Bonus and Annual Step-Up
2.04%
1.02%
Charge Basis
GWB
Charge Frequency
Monthly

Page 5  of 10



LifeGuard Freedom Flex With Joint Option GMWB With Income Stream Level 2 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
2.22%
1.11%
6% Bonus and Annual Step-Up
2.40%
1.20%
Charge Basis
GWB
Charge Frequency
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream Level 3 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
2.70%
1.35%
6% Bonus and Annual Step-Up
2.94%
1.47%
Charge Basis
GWB
Charge Frequency
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 ", on pages 76 and 100 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. 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:

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 tables 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 NY

For the LifeGuard Freedom Flex DB NY, 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 NY 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:
Page 6  of 10



LifeGuard Freedom Flex DB NY (only available with a specified combination of Options for the LifeGuard Freedom Flex ® GMWB) (not currently offered as of April 28, 2014) 12
0.51%

12 The current and maximum charge (based on election of the Income Stream Level 5 GAWA% Table) is 0.0425% of the GMWB Death Benefit each Contract Month (0.51% annually).

For more information about the charge for the LifeGuard Freedom Flex DB NY, please see Optional Death Benefit – LifeGuard Freedom Flex DB NY Charge" under "Contract Charges", beginning on page 32, as supplemented below.  For more information about how the LifeGuard Freedom Flex DB NY works, including how the GMWB Death Benefit is calculated, please see "LifeGuard Freedom Flex DB NY" under "Optional Death Benefits", beginning on page 118.

Under the section titled " Optional Death Benefit – LifeGuard Freedom Flex DB NY Charge " on page 32 of the prospectus, the first paragraph is deleted and replaced with the following:

If you select the LifeGuard Freedom Flex DB   NY 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 NY, 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
0.30%
With   Income Stream Level 2 GAWA% Table
0.36%
With   Income Stream Level 3 GAWA% Table
0.42%
With   Income Stream Level 4 GAWA% Table
0.45%
With Income Stream Level 5 GAWA% Table
0.51%
Charge Basis
GMWB Death Benefit
Charge Frequency
Monthly

For more information about the GMWB Death Benefit, please see "LifeGuard Freedom Flex DB NY" under "Optional Death Benefits", beginning on page 118.  For more information about the charges for LifeGuard Freedom Flex GMWB, please see page 35, and for benefit information, including the GWB, please see "LifeGuard Freedom Flex GMWB" beginning on page 88.

Under the section titled " Optional Death Benefits ", the first sentence in the first paragraph after the bold language under " LifeGuard Freedom Flex DB NY " on page 118 of the prospectus is deleted and replaced with the following:

The LifeGuard Freedom Flex DB NY 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 (or oldest Joint 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 Issue Date. We reserve the right to prospectively restrict the GAWA% tables that may be elected in connection with the LifeGuard Freedom Flex DB NY. 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 7 of 10


 
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 8  of 10


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 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.

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.


Page 9  of 10


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 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 JMV9476NY 04/14)

Page 10  of 10
JMV13183NY 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 of New York ® through
JNLNY 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 Jackson of NY Service Center, P.O. Box 30313, Lansing, Michigan, 48909-7813; 1-800-599-5651; 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% Tables and the Optional Income Upgrade Tables , respectively , appearing on pages 48 and 73 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 ® ") 11
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") 13
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 9



11 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 monthly. 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 30, 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 46.
13 3.00% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable monthly. 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 31, 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 71.

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 30 of the prospectus:

a)
The first and second sentences of the first paragraph are deleted and replaced with the following:

The charge for this GMWB varies depending on which GAWA% table you elect: if you elect the Income Stream Level 1 GAWA% Table, you will pay 0.0725% of the GWB each Contract Month (0.87% annually); if you elect the Income Stream Level 2 GAWA% Table, you will pay 0.08% of the GWB each Contract Month (0.96% annually); if you elect the Income Stream Level 3 GAWA% Table, you will pay 0.0875% of the GWB each Contract Month (1.05% annually); if you elect the Income Stream Level 4 GAWA% Table, you will pay 0.105% of the GWB each Contract Month (1.26% annually); and if you elect the Income Stream Level 5 GAWA% Table, you will pay 0.125% of the GWB each Contract Month (1.50% annually).

b)
The first sentence of the second paragraph is deleted and replaced with the following:

We reserve the right to prospectively change the charge on new Contracts or if you elect this benefit after your Contract is issued (subject to availability), subject to the maximum annual charge. The maximum annual charge is 1.74% annually for endorsements with the Income Stream Level 1 GAWA% Table, 1.92% annually for endorsements with the Income Stream Level 2 GAWA% Table, 2.10% annually for endorsements with the Income Stream Level 3 GAWA% Table, 2.52% annually for endorsements with the Income Stream Level 4 GAWA% Table, and 3.00% for endorsements with the Income Stream Level 5 GAWA% Table.

Under the section titled "For Life Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex GMWB") Charge" on page 31 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 71.

LifeGuard Freedom Flex GMWB With Income Stream
 Level 1 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
1.20%
0.60%
6% Bonus and Annual Step-Up
1.44%
0.72%
7% Bonus and Annual Step-Up
1.74%
0.87%
Charge Basis
GWB
Charge Frequency
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream
Level 2 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
1.44%
0.72%
6% Bonus and Annual Step-Up
1.62%
0.81%
7% Bonus and Annual Step-Up
1.92%
0.96%
Charge Basis
GWB
Charge Frequency
Monthly
Page 2 of 9



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

 
LifeGuard Freedom Flex GMWB With Income Stream
 Level 4 GAWA% Table
 
Annual Charge
 Options
Maximum
Current
5% Bonus and Annual Step-Up
2.04%
1.02%
6% Bonus and Annual Step-Up
2.22%
1.11%
7% Bonus and Annual Step-Up
2.52%
1.26%
Charge Basis
GWB
Charge Frequency
Monthly
 

 
LifeGuard Freedom Flex GMWB With Income Stream
Level 5 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
2.52%
1.26%
6% Bonus and Annual Step-Up
2.70%
1.35%
7% Bonus and Annual Step-Up
3.00%
1.50%
Charge Basis
GWB
Charge Frequency
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") ", on page 48 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.  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
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%

Under the section titled " LifeGuard Freedom Flex GMWB ", beginning on page 72 of the prospectus, the text immediately following the first paragraph under " Withdrawals " up to and including the Base GAWA% Tables and Optional Income Upgrade Tables 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
Page 3  of 9


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.  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:

 
5% and 6% Bonus Options
 
 
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%
 

 
7% Bonus Option
 
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 – 69
3.50%
3.75%
4.00%
4.25%
4.50%
70 – 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 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 60 and 82 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 12 on page 6 and footnote 14 on page 7 of the prospectus are revised as follows:

12 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 monthly. 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 31, 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 58.
14 2.94% of the GWB is the maximum annual charge (based on election of the most expensive combination of options), which charge is payable monthly. 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 Guaranteed Minimum Withdrawal Benefit With Bonus And Step-Up ("LifeGuard Freedom Flex with Joint Option GMWB") Charge" beginning on page 32, 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 80.

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 31 of the prospectus:

a)
The first sentence of the first paragraph is deleted and replaced with the following:

The charge for this GMWB varies depending on which GAWA% table you elect: if you elect the Income Stream Level 1 GAWA% Table, you will pay 0.0975% of the GWB each Contract Month (1.17% annually); if you elect the Income Stream Level 2 GAWA% Table, you will pay 0.1125% of the GWB each Contract Month (1.35% annually); if you elect the Income Stream Level 3 GAWA% Table, you will pay 0.135% of the GWB each Contract Month (1.62% annually).
Page 4  of 9



b)
The first sentence of the second paragraph is deleted and replaced with the following:

We reserve the right to prospectively change the charge on new Contracts or if you elect this benefit after your Contract is issued (subject to availability), subject to the maximum annual charge. The maximum annual charge is 2.34% annually for endorsements with the Income Stream Level 1 GAWA% Table, 2.70% annually for endorsements with the Income Stream Level 2 GAWA% Table, and 3.00% annually for endorsements with the Income Stream Level 3 GAWA% Table.

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 32 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 80.

LifeGuard Freedom Flex With Joint Option GMWB With Income Stream Level 1 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
1.80%
0.90%
6% Bonus and Annual Step-Up
2.04%
1.02%
Charge Basis
GWB
Charge Frequency
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream Level 2 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
2.22%
1.11%
6% Bonus and Annual Step-Up
2.40%
1.20%
Charge Basis
GWB
Charge Frequency
Monthly
 

 
LifeGuard Freedom Flex With Joint Option GMWB With Income Stream Level 3 GAWA% Table
 
Annual Charge
Options
Maximum
Current
5% Bonus and Annual Step-Up
2.70%
1.35%
6% Bonus and Annual Step-Up
2.94%
1.47%
Charge Basis
GWB
Charge Frequency
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 60 and 82 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. 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 9



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 NY

For the LifeGuard Freedom Flex DB NY, 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 NY 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 NY (only available with a specified combination of Options for the LifeGuard Freedom Flex ® GMWB) (not currently offered as of April 28, 2014) 9
0.51%

9 The current and maximum charge (based on election of the Income Stream Level 5 GAWA% Table) is 0.0425% of the GMWB Death Benefit each Contract Month (0.51% annually).

For more information about the charge for the LifeGuard Freedom Flex DB NY, please see Optional Death Benefit – LifeGuard Freedom Flex DB NY Charge" under "Contract Charges", beginning on page 29, as supplemented below.  For more information about how the LifeGuard Freedom Flex DB NY works, including how the GMWB Death Benefit is calculated, please see "LifeGuard Freedom Flex DB NY" under "Optional Death Benefits", beginning on page 99.

Under the section titled " Optional Death Benefit – LifeGuard Freedom Flex DB NY Charge " on page 29 of the prospectus, the first paragraph is deleted and replaced with the following:

If you select the LifeGuard Freedom Flex DB   NY 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 NY, 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
0.30%
With   Income Stream Level 2 GAWA% Table
0.36%
With   Income Stream Level 3 GAWA% Table
0.42%
With   Income Stream Level 4 GAWA% Table
0.45%
With Income Stream Level 5 GAWA% Table
0.51%
Charge Basis
GMWB Death Benefit
Charge Frequency
Monthly

For more information about the GMWB Death Benefit, please see "LifeGuard Freedom Flex DB NY" under "Optional Death Benefits", beginning on page 99.  For more information about the charges for LifeGuard Freedom Flex GMWB, please see page 31, and for benefit information, including the GWB, please see "LifeGuard Freedom Flex GMWB" beginning on page 71.

Under the section titled " Optional Death Benefits ", the first sentence in the first paragraph after the bold language under " LifeGuard Freedom Flex DB NY " on page 99 of the prospectus is deleted and replaced with the following:

The LifeGuard Freedom Flex DB NY 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 (or oldest Joint Owner) is 35 to 70 years of age on the Issue Date. We reserve the right to prospectively restrict the GAWA% tables that may be elected in connection with the LifeGuard Freedom Flex DB NY. Therefore, not all GAWA% tables may be available at the time you
Page 6  of 9


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.

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.
Page 7  of 9



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.

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.
Page 8 of 9


·
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 JMV9476LNY 04/14)

Page 9 of 9
NMV13237NY  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:

JNLNY 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 of New York:

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 Registration Statement filed on October 3, 1997 (File Nos. 333-37175 and 811-08401).

2.                   Not Applicable.

3.

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

b.
Specimen of Selling Agreement (N2565 01/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 25, 2012 (File Nos. 333-175720 and 811-08401).

c.
Specimen of Selling Agreement (N2565 08/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).



d.
Specimen of Selling Agreement (N2565 06/14), attached hereto.

4.

a.
Specimen of 20% Additional Withdrawal Benefit Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 12 filed on July 22, 2004 (File Nos. 333-70384 and 811-08401).

b.
Specimen of 5 Year Withdrawal Charge Schedule Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 12 filed on July 22, 2004 (File Nos. 333-70384 and 811-08401).

c.
Specimen of Tax Sheltered Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118370 and 811-08401).

d.
Specimen of Retirement Plan Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118370 and 811-08401).

e.
Specimen of Individual Retirement Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118370 and 811-08401).

f.
Specimen of Roth IRA Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118370 and 811-08401).

g.
Specimen of Charitable Remainder Trust Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment filed on December 30, 2004 (File Nos. 333-119659 and 811-08401).

h.
Specimen of DOMA Endorsement, incorporated herein by reference to Registrant's Initial Registration, filed on July 22, 2011 (File Nos. 333-175721 and 811-08401).

i.
Specimen of the Highest Anniversary Value Death Benefit Option (HAV) Endorsement (7595NY 04/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 38, filed on April 2, 2009 (File Nos. 333-70384 and 811-08401).

j.
Specimen of the Reduced Administration Charge Endorsement (7536 09/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 39, filed on September 24, 2009 ( File Nos. 333-70384 and 811-08401 ).

k.
Specimen of the [2%] Contract Enhancement Endorsement (7567NY 01/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 47, filed on April 30, 2010 (File Nos. 333-70384 and 811-08401).

l.
Specimen of the [3%] Contract Enhancement Endorsement (7568NY 01/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 47, filed on April 30, 2010 (File Nos. 333-70384 and 811-08401).

m.
Specimen of the [4%] Contract Enhancement Endorsement (7569NY 01/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 47, filed on April 30, 2010 (File Nos. 333-70384 and 811-08401).

n.
Specimen of the Guaranteed Minimum Withdrawal Benefit With [5] Year Step-Up (SafeGuard Max) Endorsement (7633ANY-A 05/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 47, filed on April 30, 2010 (File Nos. 333-70384 and 811-08401).

o.
Specimen of the Perspective II Fixed and Variable Annuity Contract (VA620NY), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

p.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up Endorsement (7640ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

q.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7641ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

r.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up Endorsement (7642ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

s.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7643ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

t.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus and Annual Step-Up Endorsement (7646ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

u.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7647ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

v.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6%] Bonus and Annual Step-Up Endorsement (7648ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

w.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7%] Bonus and Annual Step-Up Endorsement (7652ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

x.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7%] Bonus and Annual Step-Up to the Highest Quarterly Contract Value Endorsement (7653ANY-A 10/10), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 49, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

y.
Specimen of [5%] Guaranteed Minimum Withdrawal Benefit with Annual Step-Up Endorsement (7659ANY-A 05/11), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 50, filed on January 20, 2011 (File Nos. 333-70384 and 811-08401) .

z.
Specimen of [6%] Guaranteed Minimum Withdrawal Benefit with Annual Step-Up Endorsement (7660ANY-A 05/11), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 50, filed on January 20, 2011 (File Nos. 333-70384 and 811-08401) .

aa.
Specimen of Guaranteed Minimum Withdrawal Benefit for Stretch RMDs Endorsement (MarketGuard Stretch) (7668ANY-A 04/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 25, 2012 (File Nos. 333-175720 and 811-08401).

bb.
Form of Freedom Flex GMWB with HAV Death Benefit Endorsement (7675ANY-A 04/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 25, 2012 (File Nos. 333-175720 and 811-08401).

cc.
Form of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount (LifeGuard Freedom 6 Net) Endorsement, incorporated herein by reference to Registrant's Post-Effective Amendment, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

dd.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up and Earnings-Sensitive Withdrawal Amount (LifeGuard Freedom 6 Net with Joint Option) Endorsement, incorporated herein by reference to Registrant's Post-Effective Amendment, filed on October 5, 2010 (File Nos. 333-70384 and 811-08401).

ee.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7700ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, dated on February 15, 2013 (File Nos. 333-183046 and 811-08401).

ff.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7701ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

gg.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up Endorsement (7702ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

hh.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7704ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

ii.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7705ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

jj.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7706ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

kk.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7707ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

ll.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7708ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

mm.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7710ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

nn.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up To The Highest Quarterly Contract Value Endorsement (7711ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

oo.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus, Annual Step-Up, And Highest Anniversary Value Death Benefit Endorsement (7712ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

pp.
Form of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7713ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

qq.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7714ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

rr.
Form of Guaranteed Minimum Withdrawal Benefit Endorsement (7678ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on February 15, 2013 (File Nos. 333-183046 and 811-08401).

ss.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7700ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401) .

tt.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7701ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

uu.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [7]% Bonus And Annual Step-Up Endorsement (7702ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (Files Nos. 333-183046 and 811-08401).

vv.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus, Annual Step-Up, And Highest Anniversary Value Death Benefit Endorsement (7712ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

ww.
Form of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7713ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

xx.
Form of Guaranteed Minimum Withdrawal Benefit Endorsement (7678ANY-A 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

yy.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [5]% Bonus And Annual Step-Up Endorsement (7707ANY-A), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401).

zz.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus And Annual Step-Up Endorsement (7708ANY-A), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401).

aaa.
Form of For Life Guaranteed Minimum Withdrawal Benefit With [6]% Bonus, Annual Step-Up, And Highest Anniversary Value Death Benefit Endorsement (7712ANY-A), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401).

bbb.
Form of Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Annual Step-Up And Earnings-Sensitive Withdrawal Amount Endorsement (7714ANY-A), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401) .

ccc.
Form of Defense of Marriage Act Endorsement (7718NY), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401) .

ddd.
Form of Individual Retirement Annuity Endorsement (7715NY), incorporated herein by reference to Registrant's Registration Statement, filed on December 20, 2013 (File Nos. 333-192972 and 811-08401).

eee.
Form of Roth Individual Retirement Annuity Endorsement (7716NY), incorporated herein by reference to Registrant's Registration Statement, filed on December 20, 2013 (File Nos. 333-192972 and 811-08401).

fff.
Form of Perspective II Fixed and Variable Annuity Contract (VA620NY 09/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on April 21, 2014 (File Nos. 333-183046 and 811-08401).

5.

a.
Form of the Perspective II Variable and Fixed Annuity Application (NV620 09/12), incorporated herein by reference to Registrant's Registration Statement, filed on September 10, 2012 (File Nos. 333-183046 and 811-08401).



b.
Form of the Variable and Fixed Annuity Application (NV3573 09/12), incorporated herein by reference to Registrant's Registration Statement, filed on September 10, 2012 (File Nos. 333-183046 and 811-08401).

c.
Form of the Perspective II Variable and Fixed Annuity Application (NV620 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

d.
Form of the Variable and Fixed Annuity Application (NV3573 04/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

e.
Form of the Perspective II Variable and Fixed Annuity Application (NV620 09/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401).

f.
Form of the Variable and Fixed Annuity Application (NV3573 09/13), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, filed on September 12, 2013 (File Nos. 333-183046 and 811-08401).

g.
Form of the Perspective II Variable and Fixed Annuity Application (NV620 04/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on April 21, 2014 (File Nos. 333-183046 and 811-08401).

h.
Form of the Variable and Fixed Annuity Application (NV3573 04/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on April 21, 2014 (File Nos. 333-183046 and 811-08401).

i.
Form of the Perspective II Variable and Fixed Annuity Application (NV620 09/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 10, filed on June 11, 2014 (File Nos. 333-183046 and 811-08401).

j.
Form of the Variable and Fixed Annuity Application (NV3573 09/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 10, filed on June 11, 2014 (File Nos. 333-183046 and 811-08401).

k.
Form of the Perspective II Variable and Fixed Annuity Application (NV620 09/14), attached hereto

l.
Form of the Variable and Fixed Annuity Application (NV3573 09/14), attached hereto.

6.

a.
Declaration and Charter of Depositor, incorporated herein by reference to the Registrant's Registration Statement filed on October 3, 1997 (File Nos. 333-37175 and 811-08401).

b.
By-laws of Depositor, incorporated herein by reference to the Registrant's Registration Statement filed on October 3, 1997 (File Nos. 333-37175 and 811-08401).

c.
Amended By-Laws of Jackson National Life Insurance Company of New York, incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).

7.

a. Reinsurance Agreement Effective December 13, 2008 between Jackson National Life Insurance Company of New York ("Ceding Company") and Jackson National Life Insurance Company ("Reinsurer"), incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, dated September 12, 2013 (File Nos. 333-183046 and 811-08401).

b. Amendment No. 1 to the Reinsurance Agreement Effective December 31, 2008 between Jackson National Life Insurance Company of New York ("Ceding Company") and Jackson National Life Insurance Company ("Reinsurer"), with effective date June 30, 2013, incorporated herein by reference to Registrant's Post-Effective Amendment No. 8, dated September 12, 2013 (File Nos. 333-183046 and 811-08401).

8. Amended and Restated Administrative Services Agreement between Jackson National Asset Management, LLC and Jackson National Life Insurance Company, incorporated herein by reference to the 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.

Item 25. Directors and Officers of the Depositor

Name and Principal Business Address
Positions and Offices with Depositor
 
 
Donald B. Henderson, Jr.
Director
4A Rivermere Apartments
 
Bronxville, NY 10708
 
 
 
David L. Porteous
Director
20434 Crestview Drive
 
Reed City, MI 49777
 
 
 
Donald T. DeCarlo
Director
200 Manor Road
 
Douglaston, New York 11363
 
 
 
Gary H. Torgow
Director
220 West Congress
 
Detroit, MI 48226-3213
 
 
 
John C. Colpean
Director
1640 Haslett Road, Suite 160
 
Haslett, MI 48840
 
 
 
Richard D. Ash
Senior Vice President, Chief Actuary & Appointed
1 Corporate Way
Actuary
Lansing, MI 48951
 
 
 
Savvas (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 & Director
1 Corporate Way
 
Lansing, MI  48951
 
 
 
Gregory P. Cicotte
Director
7601 Technology Way
 
Denver, CO 80237
 
 
 
Michael A. Costello
Senior Vice President, Controller, Treasurer & Director
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 & Director
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 & Director
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 F. Klus
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Toni L. Klus
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Richard C. Liphardt
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Herbert G. May, III
Chief Administrative Officer &
275 Grove Street
Director
Building #2
 
4th floor
 
Auburndale, MA 02466
 
 
 
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, General
1 Corporate Way
Counsel, Secretary & Director
Lansing, MI  48951
 
 
 
Keith R. Moore
Senior Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
P. Chad Myers
Executive Vice President & Chief Financial Officer
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Russell E. Peck
Vice President
1 Corporate Way
 
Lansing, MI 48951
 
 
 
Laura L. Prieskorn
Senior Vice President
1 Corporate Way
 
Lansing, MI 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
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
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 of New York ("Depositor"), a stock life insurance company organized under the laws of the state of New York.  The Depositor is a wholly owned subsidiary of Jackson National 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 of Post-Effective Amendment No. 13, filed on September 11, 2014 (File Nos. 333-183048 and 811-08664).

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

Qualified – 24,228
Non-Qualified – 11,934

Item 28. Indemnification

Provision is made in the Company's By-Laws for indemnification by the Company of any person made or threatened to be made a party to an action or proceeding, whether civil or criminal by reason of the fact that he or she is or was a director, officer or employee of the Company or then serves or has served any other corporation in any capacity at the request of the Company, against expenses, judgments, fines and amounts paid in settlement to the full extent that officers and directors are permitted to be  indemnified  by the laws of the State of New York.

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 JNLNY Separate Account I. Jackson National Life Distributors LLC also acts as general distributor for the Jackson National Separate Account - I, the Jackson National Separate Account III, the Jackson National Separate Account IV, the Jackson National Separate Account V, 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 of New York 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 of New York 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 of New York 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 of New York 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 of New York.

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.

JNLNY Separate Account I
(Registrant)

Jackson National Life Insurance Company of New York


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

Jackson National Life Insurance Company of New York
(Depositor)


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

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 and
 
Chief Executive Officer
 
 
 
 
 
*                                                                                     
September 11, 2014
P. Chad Myers, Executive Vice President,
 
and Chief Financial Officer
 
 
 
 
 
*                                                                                     
September 11, 2014
Herbert G. May, III, Chief Administrative Officer
 
and Director
 
 
 
 
 
   /s/ Thomas J. Meyer   
September 11, 2014
Thomas J. Meyer, Senior Vice President,
 
General Counsel, Secretary and Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Laura L. Hanson, Vice President and
 
Director
 


 
 
 
 
*                                                                                     
September 11, 2014
John H. Brown, Vice President and Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Michael A. Costello, Senior Vice President,
 
Controller, Treasurer and Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Julia A. Goatley, Senior Vice President, Chief
 
Compliance and Governance Officer, Assistant
 
Secretary and Director
 
 
 
*                                                                                     
September 11, 2014
Thomas P. Hyatte, Senior Vice President,
Chief Risk Officer and Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Gregory P. Cicotte, Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Donald B. Henderson, Jr., Director
 
 
 
 
 
*                                                                                     
September 11, 2014
David L. Porteous, Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Donald T. DeCarlo, Director
 
 
 
 
 
*                                                                                     
September 11, 2014
Gary H. Torgow, Director
 
 
 
 
 
*                                                                                     
September 11, 2014
John C. Colpean, 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 PERSONS BY THESE PRESENTS, that each of the undersigned as directors and/or officers of JACKSON NATIONAL LIFE INSURANCE COMPANY OF NEW YORK (the "Depositor"), a New York 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 JNLNY Separate Account I (File Nos. 333-37175, 333-48822, 333-70384, 333-81266, 333-118370, 333-119659, 333-137485, 333-163323, 333-172873, 333-175720,  333-175721,  333-177298, 333-183046, 333-183047, and 333-192972), JNLNY Separate Account II (File No. 333-86933), and JNLNY Separate Account IV (File Nos. 333-109762 and 333-118132), 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 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 31st day of March, 2014.

/s/  MICHAEL A. WELLS
______________________________________________
Michael A. Wells, President and Chief Executive Officer

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

 
/s/  HERBERT G. MAY, III
______________________________________________
Herbert G. May, III, Chief Administrative Office and Director

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

 
/s/  JOHN H. BROWN
______________________________________________
John H. Brown, Vice President and Director

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




/s/  JULIA A. GOATLEY
______________________________________________
Julia A. Goatley, Senior Vice President, Chief
Compliance and Governance Officer, Assistant
Secretary and Director

 
/s/  GREGORY P. CICOTTE
_____________________________________________
Gregory P. Cicotte, Director

 
/s/  LAURA L. HANSON
_____________________________________________
Laura L. Hanson, Vice President and Director

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

 
/s/  DONALD B. HENDERSON, JR.
______________________________________________
Donald B. Henderson, Jr., Director

 
/s/  DAVID L. PORTEOUS
______________________________________________
David L. Porteous, Director

 
/s/  DONALD T. DECARLO
______________________________________________
Donald T. DeCarlo, Director

 
/s/  GARY H. TORGOW
______________________________________________
Gary H. Torgow, Director

 
/s/  JOHN C. COLPEAN
______________________________________________
John C. Colpean, Director
 





EXHIBIT LIST

Exhibit No.                            Description


4d. Specimen of Selling Agreement (N2565 06/14).

5k.                Form of the Perspective II Variable and Fixed Annuity Application (NV620 09/14).

5l.                   Form of the Variable and Fixed Annuity Application (NV3573 09/14).

9. Opinion and Consent of Counsel.

10. Consent of Independent Registered Public Accounting Firm.
EX-4d
 
EX-5k
 
 
EX-51
 
EX-9
 






September 11, 2014



Board of Directors
Jackson National Life Insurance Company of New York
2900 Westchester Avenue
Purchase, NY  10577

Re:              Jackson National Life Insurance Company of New York
JNLNY Separate Account I
File Nos. 333-183046 and 811-08401

Directors:

You have requested our Opinion of Counsel in connection with the filing with the Securities and Exchange Commission of Post Effective Amendment No. 13 to a 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 of New York and its separate account, JNLNY 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. JNLNY 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 Post-Effective Amendment No. 13 to the Registration Statement.

Respectfully,

/s/ THOMAS J. MEYER

Thomas J. Meyer
Senior Vice President, General Counsel,
Secretary and Director
EX-10