Notice Document by Insurance Company (Form N-VP)

DEFINITIONS

1

UPDATED INFORMATION ABOUT YOUR CONTRACT

2

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

3

APPENDIX A (INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT)

A-1

BACK COVER PAGE

B-1

FEES, EXPENSES, AND ADJUSTMENTS

Are There Charges or Adjustments for Early Withdrawals?

Yes. If you withdraw premium from your Contract within 9 years following the premium payment, you may be assessed a withdrawal charge. The maximum withdrawal charge is 4% of the amount of premium withdrawn. For example, if you make a withdrawal during the first year after a premium payment, you could pay a withdrawal charge of up to $4,000 on a $100,000 investment.

If you select the optional Contract Enhancement and make a partial or total withdrawal from your Contract in the first nine years since the Premium payment was made, you will pay a Contract Enhancement recapture charge that reimburses us for all or part of the Contract Enhancement that we credited to your Contract based on your Premiums. The maximum recapture charge is 6% of the amount withdrawn. For example, if you make a withdrawal during the first year after a premium payment, you could pay a recapture charge of up to $6,000 on a $100,000 investment.

In addition, if all or a portion of Contract Value is removed from a Fixed Account Option before the end of the Fixed Account Option term, we will apply an Interest Rate Adjustment, which may be negative. The Interest Rate Adjustment applies to partial or total withdrawals, transfers, or annuitizations from a Fixed Account Option prior to the end of the specified Fixed Account Option term. You could lose up to 100% of any credited interest due to this Interest Rate Adjustment. However, a negative Interest Rate Adjustment will never cause you to lose any of your original investment. For example, if you allocate $100,000 to a 3-year Fixed Account Option, and earn 2.5% interest annually, after one year your investment has grown to $102,500. If you then withdraw the entire amount after only one year, you could lose up to $2,500 of your credited interest. This loss will be greater if you also have to pay a Withdrawal Charge, taxes, and tax penalties.

Are There Transaction Charges?

Yes. In addition to withdrawal charges and contract adjustments, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times in a Contract Year or when you request an expedited delivery of your partial or complete withdrawal.

Are There Ongoing Fees and Expenses?

(annual charges)

Yes. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.

1. Base Contract1

2. Fund fees and expenses2

3. Optional benefits available for an additional charge (for a single optional benefit, if elected)3

1.As a percentage of average daily Contract Value of the Investment Divisions.

2.As a percentage of average Fund net assets.

3.The minimum fee reflects an annualized percentage of the daily net account value of Investment Divisions. The maximum fee reflects an annualized percentage of the applicable benefit base. Because a Contract's benefit base is different from its Contract Value, the minimum and maximum fees cannot be directly compared to each other.

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender (withdrawal) charges and negative Contract Adjustments that substantially increase costs.

LOWEST ANNUAL COST: $2,116

HIGHEST ANNUAL COST: $4,634

Assumes:

•Investment of $100,000

•5% annual appreciation

•Least expensive combination of Fund fees and expenses

•No optional benefits

•No sales charges

•No additional purchase payments, transfers or withdrawals

Assumes:

•Investment of $100,000

•5% annual appreciation

•Most expensive combination of optional benefits and Fund fees and expenses

•No sales charges

•No additional purchase payments, transfers or withdrawals

Is There a Risk of Loss from Poor Performance?

Yes. You can lose money by investing in this Contract.

Is this a Short-Term Investment?

No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 9 years following your last premium payment. To the extent they apply, they will reduce the value of your Contract if you withdraw money during that time. Amounts removed from a Fixed Account Option prior to the end of a Fixed Account Option term may also result in a negative Interest Rate Adjustment. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon.

What Are the Risks Associated with the Investment Options?

•An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose.

•Each investment option (including the Fixed Account) has its own unique risks.

•You should review the prospectuses for the available Funds before making an investment decision.

What Are the Risks Related to the Insurance Company?

Any obligations (including under the Fixed Account), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson of NY. More information about Jackson of NY is available upon request by visiting our website at www.jackson.com or by calling 1-800-599-5651.

Are There Restrictions on the Investment Options?

Yes.

Premium Payments.

•The minimum initial Premium payment must be at least $5,000 for a non-qualified plan Contract, or $2,000 for a qualified plan Contract.

•The minimum subsequent Premium payment must be at least $500 ($50 for an automatic payment plan).

•The maximum aggregate Premium payments you may make without our prior approval is $1 million.

•There is a minimum allocation requirement of $100.

•We reserve the right, in our discretion, to limit, restrict, suspend or reject any or all initial or subsequent Premium payments and to limit the amount, frequency or timing of Premium payments, at any time on a non-discriminatory basis.

Transfers.

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

•

Investment Restrictions.

•Jackson of NY may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options.

Purchases

Investment Divisions

Are There any Restrictions on Contract Benefits?

Yes. Certain benefits may limit withdrawals or other rights under the Contract. Under certain benefits, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal. An optional benefit's availability may vary by date of purchase. We may modify or discontinue an optional benefit at any time.

What Are the Contract's Tax Implications?

•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.

•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral.

•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.

How Are Investment

Professionals

Compensated?

Should I Exchange My Contract?

1 year

5 year

10 year

JNL/American Funds Balanced Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.90%2

15.48%

8.58%

9.14%

JNL/American Funds Bond Fund of America Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.82%2

6.77%

N/A

N/A

JNL/American Funds Capital Income Builder Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.95%2

19.86%

8.63%

N/A

JNL/American Funds Global Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.05%2

21.20%

7.84%

11.82%

JNL/American Funds Growth Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.89%2

19.87%

13.03%

17.58%

JNL/American Funds Growth-Income Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%2

17.64%

13.48%

13.48%

JNL/American Funds International Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.11%2

26.25%

3.00%

6.58%

JNL/American Funds New World Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

1.26%2

27.74%

4.86%

8.80%

JNL/American Funds® Washington Mutual Investors Fund1

(Investment Adviser to the Master Fund: Capital Research and Management CompanySM)

0.91%2

16.75%

13.43%

11.95%

JNL Multi-Manager Alternative Fund

(Boston Partners Global Investors, Inc.; DoubleLine Capital LP; First Pacific Advisors, LP; Kayne Anderson Rudnick Investment Management, LLC; Lazard Asset Management LLC; Loomis, Sayles & Company, L.P.; Westchester Capital Management, LLC

2.30%2

9.53%

4.22%

4.14%

JNL Multi-Manager Emerging Markets Equity Fund

(GQG Partners LLC, Kayne Anderson Rudnick Investment Management, LLC; T. Rowe Price Associates, Inc. (Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited); WCM Investment Management, LLC

1.22%

24.27%

1.67%

5.73%

1 year

5 year

10 year

JNL Multi-Manager Floating Rate Income Fund

(PPM America, Inc.; FIAM LLC)

0.95%

3.83%

4.67%

4.29%

JNL Multi-Manager Global Small Cap Fund

1.16%

14.20%

0.15%

6.89%

JNL Multi-Manager International Equity Fund

(Causeway Capital Management LLC; Lazard Asset Management LLC; WCM Investment Management, LLC; William Blair Investment Management, LLC)

0.97%

23.50%

1.90%

5.17%

JNL Multi-Manager International Small Cap Fund4

(Causeway Capital Management LLC; FIAM LLC (Sub-Sub-Adviser: FMR Investment Management (UK) Limited); WCM Investment Management, LLC)

1.20%

25.49%

5.35%

N/A

JNL Multi-Manager Mid Cap Fund

(Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; River Road Asset Management, LLC; Victory Capital Management Inc.)

1.06%

1.83%

4.90%

N/A

JNL Multi-Manager Select Equity Fund

(GQG Partners, LLC; River Road Asset Management, LLC; WCM Investment Management, LLC)

0.99%2

16.02%

N/A

N/A

JNL Multi-Manager Small Cap Growth Fund

(BAMCO, Inc.; Driehaus Capital Management, LLC; Granahan Investment Management, Inc.; Kayne Anderson Rudnick Investment Management, LLC; Segall Bryant & Hamill, LLC; WCM Investment Management, LLC)

0.98%

3.56%

-1.29%

9.41%

JNL Multi-Manager Small Cap Value Fund

(Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; WCM Investment Management, LLC

1.07%

2.69%

8.00%

8.59%

JNL Moderate ETF Allocation Fund

(Mellon Investments Corporation)

0.83%

12.18%

4.18%

5.44%

JNL Moderate Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.83%

14.60%

5.90%

7.22%

JNL Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.85%

16.64%

7.58%

8.76%

JNL/American Funds Moderate Allocation Fund

0.97%

13.14%

N/A

N/A

JNL/American Funds Moderate Growth Allocation Fund

0.98%

16.29%

5.73%

8.10%

JNL/American Funds Growth Allocation Fund

0.99%

18.49%

7.52%

10.07%

JNL/BlackRock Global Allocation Fund

(BlackRock Investment Management, LLC; Sub-Sub-Advisers: BlackRock International Limited and BlackRock (Singapore) Limited)

1.06%

18.76%

6.07%

7.47%

JNL/BlackRock Global Natural Resources Fund4

(BlackRock International Limited)

1.00%

29.78%

13.60%

8.69%

JNL/BlackRock Large Cap Select Growth Fund

(BlackRock Investment Management, LLC)

0.83%2

11.41%

10.41%

15.18%

JNL/Causeway International Value Select Fund

(Causeway Capital Management LLC)

0.96%

43.10%

14.12%

9.96%

1 year

5 year

10 year

JNL/Cohen & Steers U.S. Realty Fund4

(Cohen & Steers Capital Management, Inc.)

1.04%

2.79%

4.73%

N/A

JNL/DFA International Core Equity Fund

(Dimensional Fund Advisors LP)

0.91%

35.29%

9.74%

N/A

JNL/DFA U.S. Core Equity Fund

(Dimensional Fund Advisors LP)

0.80%

15.09%

12.66%

13.16%

JNL/DFA U.S. Small Cap Fund

(Dimensional Fund Advisors LP)

0.99%

7.01%

8.45%

9.52%

JNL/DoubleLine® Core Fixed Income Fund

(DoubleLine Capital LP)

0.78%

7.18%

0.07%

2.05%

JNL/DoubleLine® Emerging Markets Fixed Income Fund

(DoubleLine Capital LP)

1.08%

8.52%

1.66%

N/A

JNL/DoubleLine® Shiller Enhanced CAPE® Fund

(DoubleLine Capital LP)

0.99%

8.98%

8.23%

12.17%

JNL/DoubleLine® Total Return Fund

(DoubleLine Capital LP)

0.83%

7.59%

0.09%

1.65%

JNL/Dreyfus Government Money Market Fund

(Mellon Investments Corporation)

0.56%

3.78%

2.75%

1.67%

JNL/Fidelity Institutional AM® & JPMorgan Large Cap Growth Fund

(FIAM LLC; J.P. Morgan Investment Management Inc.)

0.94%

9.05%

10.46%

N/A

JNL/Fidelity Institutional AM® Total Bond Fund

(FIAM LLC)

0.76%

7.49%

0.06%

2.09%

JNL/First Sentier Global Infrastructure Fund4

(First Sentier Investors (Australia) IM Ltd)

1.16%

17.55%

6.72%

6.96%

JNL/Franklin Templeton Income Fund

(Franklin Advisers, Inc.)

0.92%

12.00%

7.17%

7.11%

JNL/Goldman Sachs 4 Fund

(Goldman Sachs Asset Management, L.P.)

0.70%

16.69%

13.95%

11.59%

JNL/GQG Emerging Markets Equity Fund

(GQG Partners LLC)

1.34%

10.25%

2.64%

N/A

JNL/Invesco Small Cap Growth Fund

(Invesco Advisers, Inc.)

1.02%

6.17%

-0.73%

9.05%

JNL/JPMorgan Hedged Equity Fund

(J.P. Morgan Investment Management Inc.)

0.96%

7.04%

8.58%

N/A

JNL/JPMorgan MidCap Growth Fund

(J.P. Morgan Investment Management Inc.)

0.89%

8.08%

4.23%

12.15%

JNL/JPMorgan Nasdaq® Hedged Equity Fund

(J.P. Morgan Investment Management Inc.)

0.99%

8.83%

N/A

N/A

JNL/JPMorgan U.S. Government & Quality Bond Fund

(J.P. Morgan Investment Management Inc.)

0.69%

6.61%

-0.59%

1.45%

JNL/JPMorgan U.S. Value Fund

(J.P. Morgan Investment Management Inc.)

0.89%

13.86%

11.97%

9.01%

JNL/Loomis Sayles Global Growth Fund

(Loomis, Sayles & Company, L.P.)

0.99%

17.45%

8.85%

N/A

1 year

5 year

10 year

JNL/Lord Abbett Short Duration Income Fund

(Lord, Abbett & Co. LLC)

0.80%

5.84%

2.25%

N/A

JNL/Mellon DowSM Index Fund

(Mellon Investments Corporation)

0.65%

14.17%

10.85%

12.41%

JNL/Mellon Emerging Markets Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.75%2

30.92%

3.38%

7.55%

JNL/Mellon World Index Fund

(Mellon Investments Corporation)

0.65%

20.79%

11.80%

11.75%

JNL/Mellon Nasdaq® 100 Index Fund

(Mellon Investments Corporation)

0.63%

20.28%

14.58%

19.09%

JNL/Mellon S&P 500 Index Fund

(Mellon Investments Corporation)

0.52%

17.28%

13.86%

14.24%

JNL/Mellon S&P 400 MidCap Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.56%2

6.90%

8.53%

10.13%

JNL/Mellon Small Cap Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.56%2

5.57%

6.74%

9.27%

JNL/Mellon International Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.61%2

31.50%

8.50%

7.85%

JNL/Mellon Bond Index Fund3

(Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation)

0.58%2

6.67%

-0.95%

1.41%

JNL/Mellon U.S. Stock Market Index Fund

(Mellon Investments Corporation)

0.61%

16.64%

12.68%

N/A

JNL/Mellon Communication Services Sector Fund

(Mellon Investments Corporation)

0.64%

32.98%

13.91%

13.85%

JNL/Mellon Consumer Discretionary Sector Fund

(Mellon Investments Corporation)

0.64%

5.06%

7.35%

13.03%

JNL/Mellon Consumer Staples Sector Fund

(Mellon Investments Corporation)

0.65%

0.40%

5.45%

N/A

JNL/Mellon Energy Sector Fund

(Mellon Investments Corporation)

0.64%

6.84%

22.78%

7.04%

JNL/Mellon Financial Sector Fund

(Mellon Investments Corporation)

0.64%

16.18%

14.52%

12.35%

JNL/Mellon Healthcare Sector Fund

(Mellon Investments Corporation)

0.63%

14.47%

6.09%

9.03%

JNL/Mellon Industrials Sector Fund

(Mellon Investments Corporation)

0.65%

18.09%

12.62%

N/A

JNL/Mellon Information Technology Sector Fund

(Mellon Investments Corporation)

0.61%

20.73%

18.54%

22.65%

JNL/Mellon Materials Sector Fund

(Mellon Investments Corporation)

0.67%

14.44%

7.63%

N/A

JNL/Mellon Real Estate Sector Fund

(Mellon Investments Corporation)

0.66%

3.37%

4.18%

N/A

1 year

5 year

10 year

JNL/Mellon Utilities Sector Fund

(Mellon Investments Corporation)

0.65%

18.65%

10.13%

10.42%

JNL/MFS Equity Income Fund

(Massachusetts Financial Services Company (d/b/a MFS Investment Management))

0.92%

15.31%

10.39%

N/A

JNL/MFS Mid Cap Value Fund

(Massachusetts Financial Services Company (d/b/a MFS Investment Management))

0.95%

6.01%

10.00%

9.52%

JNL/Morningstar SMID Moat Focus Index Fund

(Mellon Investments Corporation)

0.76%

6.23%

N/A

N/A

JNL/Morningstar U.S. Sustainability Index Fund

(Mellon Investments Corporation)

0.71%

13.40%

12.44%

N/A

JNL/Morningstar Wide Moat Index Fund

(Mellon Investments Corporation)

0.76%

12.95%

11.88%

N/A

JNL/Neuberger Berman Strategic Income Fund

(Neuberger Berman Investment Advisers LLC)

0.95%

9.30%

3.00%

4.09%

JNL/Newton Equity Income Fund

(Newton Investment Management North America, LLC)

0.86%

18.97%

16.19%

13.21%

JNL/PIMCO Income Fund

(Pacific Investment Management Company LLC)

0.99%

11.07%

3.40%

N/A

JNL/PIMCO Investment Grade Credit Bond Fund

(Pacific Investment Management Company LLC)

0.85%

8.37%

-0.31%

3.28%

JNL/PIMCO Real Return Fund

(Pacific Investment Management Company LLC)

1.68%

7.82%

1.24%

3.14%

JNL/PPM America Emerging Markets Debt Fund

(PPM America, Inc.)

0.93%2

N/A

N/A

N/A

JNL/PPM America High Yield Bond Fund

(PPM America, Inc.)

0.76%

8.43%

4.27%

5.89%

JNL/PPM America Investment Grade Credit Fund

(PPM America, Inc.)

0.83%

7.20%

N/A

N/A

JNL/PPM America Total Return Fund

(PPM America, Inc.)

0.79%

6.75%

-0.26%

2.65%

JNL/RAFI® Fundamental U.S. Small Cap Fund

(Mellon Investments Corporation)

0.67%

6.80%

9.19%

6.85%

JNL/RAFI® Multi-Factor U.S. Equity Fund

(Mellon Investments Corporation)

0.67%

16.21%

12.43%

10.83%

JNL/T. Rowe Price Capital Appreciation Fund

(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)

0.95%2

11.46%

9.00%

10.79%

JNL/T. Rowe Price Capital Appreciation Equity Fund

(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)

0.97%2

14.63%

N/A

N/A

JNL/T. Rowe Price Growth Stock Fund

(T. Rowe Price Associates, Inc.)

0.83%2

15.26%

9.19%

14.06%

JNL/T. Rowe Price Mid-Cap Growth Fund

(T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.)

0.95%2

3.14%

3.52%

9.54%

1 year

5 year

10 year

JNL/T. Rowe Price Short-Term Bond Fund

(T. Rowe Price Associates, Inc.)

0.72%2

5.44%

1.91%

2.12%

JNL/T. Rowe Price Value Fund

(T. Rowe Price Associates, Inc.)

0.85%2

12.00%

10.54%

10.56%

JNL/Vanguard Moderate ETF Allocation Fund

(Mellon Investments Corporation)

0.69%

11.75%

3.80%

N/A

JNL/Vanguard Moderate Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.69%

14.14%

5.56%

N/A

JNL/Vanguard Growth ETF Allocation Fund

(Mellon Investments Corporation)

0.68%

16.06%

7.18%

N/A

JNL/WCM Focused International Equity Fund

(WCM Investment Management, LLC)

1.10%

21.41%

4.80%

10.63%

JNL/Westchester Capital Event Driven Fund

(Westchester Capital Management, LLC)

1.66%

7.39%

3.59%

4.88%

JNL/WMC Balanced Fund

(Wellington Management Company LLP)

0.71%

15.69%

8.90%

9.27%

JNL/WMC Equity Income Fund

(Wellington Management Company LLP)

0.89%

16.72%

12.08%

N/A

JNL/WMC Value Fund

(Wellington Management Company LLP)

0.79%

14.67%

10.91%

9.80%

JNL/JPMorgan Managed Conservative Fund

(J.P. Morgan Investment Management Inc.)

1.16%

9.28%

1.92%

3.83%

JNL/JPMorgan Managed Moderate Fund

(J.P. Morgan Investment Management Inc.)

1.13%

10.83%

3.48%

5.67%

JNL/JPMorgan Managed Moderate Growth Fund

(J.P. Morgan Investment Management Inc.)

1.12%

12.26%

5.13%

7.50%

JNL/JPMorgan Managed Growth Fund

(J.P. Morgan Investment Management Inc.)

1.13%

13.92%

6.76%

9.47%

JNL/JPMorgan Managed Aggressive Growth Fund

(J.P. Morgan Investment Management Inc.)

1.15%

14.72%

7.60%

10.35%

JNL Conservative Allocation Fund

1.23%

9.29%

2.57%

4.13%

JNL Moderate Allocation Fund

1.22%

10.75%

4.10%

5.68%

JNL Moderate Growth Allocation Fund

1.21%

12.62%

5.36%

7.22%

JNL Growth Allocation Fund

1.19%

14.81%

6.38%

8.47%

JNL Aggressive Growth Allocation Fund

1.16%

15.62%

7.24%

9.35%

1

2

3

4

This Fund is no longer available for new allocations or transfers.

Term

Minimum Guaranteed Interest Rate

1-year Fixed Account Option

1 year

2.40%