Jackson National Life Insurance Company Review (2025)
Exploring the diverse landscape of insurance and financial services, our review delves into the offerings of Jackson National Life Insurance Company, a trusted name known for its strong financial stability, customizable policies, and comprehensive coverage options, making it a standout choice for securing your financial future.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Jackson National Life Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- A diverse range of insurance and investment products
- Strong financial stability and reputation
- Customizable life insurance policies
- Comprehensive retirement planning tools
- Investment options for wealth growth
Cons
- Variable annuities carry market risks
- Fees may apply to certain services
- Limited information on specific fee structures
- Policies and products may vary by state
- Some customers may prefer more local options
In this comprehensive article, we explore Jackson National Life Insurance Company, a trusted name in the world of insurance and financial services. Jackson National offers a diverse range of coverage options, including life insurance, annuities, retirement planning, and investment management, catering to the various financial needs of its customers.
With a strong A.M. Best rating, a low complaint level, and a history of financial stability, the company stands out for its reliability. Notably, their customizable life insurance policies and comprehensive retirement planning tools provide customers with flexibility and peace of mind.
Whether you’re looking to secure your family’s future or grow your wealth, Jackson National has you covered with a blend of insurance and investment solutions.
Jackson National Life Insurance Company Insurance Coverage Options
Jackson National Life Insurance Company provides a range of coverage options to meet the diverse needs of its customers. These coverage options encompass various aspects of financial security and planning. Here’s a bullet list detailing the coverage options offered by the company:
Life Insurance
- Term Life Insurance: Provides coverage for a specified term, often with lower premiums.
- Whole Life Insurance: Offers lifetime coverage with a cash value component that grows over time.
- Universal Life Insurance: Combines flexibility with lifelong protection and potential cash value growth.
Annuities
- Fixed Annuities: Guarantees a fixed interest rate for a set period, ensuring stable income.
- Variable Annuities: Allows for investment in various funds, with potential for higher returns but subject to market risks.
- Indexed Annuities: Ties returns to specific market indices, offering potential growth with downside protection.
Retirement Planning
- Individual Retirement Accounts (IRAs): Tax-advantaged accounts for retirement savings.
- 401(k) Rollovers: Facilitates the transfer of retirement funds from an employer-sponsored plan to an individual account.
- Pension Maximization: Strategies to optimize pension benefits during retirement.
Investment and Asset Management
- Investment Strategies: Diverse approaches to managing investments, tailored to individual goals and risk tolerance.
- Asset Allocation: Balancing investments across various asset classes to manage risk and enhance returns.
- Performance and Returns: Monitoring and optimizing investment performance to achieve financial goals.
These coverage options cater to individuals seeking financial security, retirement planning, and wealth management. Jackson National’s diverse product offerings allow customers to select the coverage that aligns best with their unique financial objectives and circumstances.
It’s advisable to consult with Jackson National directly or with a financial advisor to determine the most suitable coverage for your specific needs.
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Jackson National Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Jackson National | National Average |
|---|---|---|
| Clean Record | $120 | $119 |
| 1+ Ticket | $146 | $147 |
| 1+ Accident | $175 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $206 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Jackson National Life Insurance Company Discounts Available
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| Discount | Jackson National Life |
|---|---|
| Anti Theft | 6% |
| Good Student | 15% |
| Low Mileage | 8% |
| Paperless | 11% |
| Safe Driver | 14% |
| Senior Driver | 5% |
Jackson National Life Insurance Company offers various discounts to help customers save on their insurance premiums. These discounts can make their insurance products even more attractive. Here’s a bullet list of the discounts offered by the company:
- Multi-Policy Discount: Customers who bundle multiple insurance policies with Jackson National, such as life insurance and annuities, can enjoy significant discounts on their premiums.
- Good Health Discount: If you’re in good health and can demonstrate it through medical assessments, you may be eligible for a lower premium rate.
- Safe Driver Discount: Jackson National may offer discounts on certain insurance products for policyholders with a clean driving record.
- Non-Smoker Discount: Non-smokers often receive reduced rates on life insurance policies, promoting healthier lifestyles.
- Long-Term Customer Discount: Loyalty is rewarded with discounts for policyholders who have been with Jackson National for an extended period.
- Payment Method Discount: Some discounts may be available for policyholders who choose specific payment methods, such as electronic funds transfer (EFT).
- Retirement Planning Package Discount: Customers who invest in both retirement planning and insurance products with Jackson National may qualify for additional savings.
It’s essential to check with Jackson National directly to understand the specific eligibility criteria and details of these discounts, as they can vary depending on the type of policy and location. These discounts can help customers secure the coverage they need while also managing their budget effectively.
How Jackson National Life Insurance Company Ranks Among Providers
Jackson National Life Insurance Company operates in a competitive landscape within the insurance and financial services industry. Its main competitors are other well-established insurance and financial firms that offer similar products and services. Here are some of Jackson National’s main competitors:
- Prudential Financial: Prudential is a global financial services leader that offers a wide range of insurance and investment products, including life insurance, annuities, retirement planning, and asset management. They are known for their financial stability and strong brand presence.
- Metlife: Metlife is a prominent insurance company with a strong focus on life insurance, annuities, and retirement planning. They have a vast customer base and a global presence, making them a significant competitor in the industry.
- New York Life Insurance Company: New York Life is one of the oldest and largest mutual life insurance companies in the United States. They specialize in life insurance and annuities, emphasizing financial strength and long-term stability.
- AIG (American International Group): AIG is a multinational insurance and financial services corporation that offers a wide array of insurance products, including life insurance and annuities. They have a global footprint and a diverse range of investment options.
- Lincoln Financial Group: Lincoln Financial provides insurance and retirement solutions, including life insurance, annuities, and retirement planning. They are known for their customizable policies and strong financial ratings.
- Massmutual (Massachusetts Mutual Life Insurance Company): Massmutual is a mutual life insurance company that offers a comprehensive suite of insurance and financial products. They are known for their policyholder ownership structure and financial stability.
- Northwestern Mutual: Northwestern Mutual is a mutual company that focuses on providing life insurance, disability insurance, and investment products. They emphasize financial planning and long-term relationships with clients.
- Pacific Life: Pacific Life is a prominent provider of life insurance and annuities, known for its competitive offerings and financial strength.
- Nationwide: Nationwide offers a range of insurance and financial services, including life insurance, retirement planning, and investment options. They have a strong presence in the United States.
- Guardian Life Insurance Company: Guardian Life specializes in life insurance, disability insurance, and wealth management solutions. They are known for their mutual ownership structure and commitment to policyholders.
These competitors, like Jackson National, have established themselves as reputable providers of insurance and financial products. The competition in this industry is fierce, and customers have a variety of options to choose from when seeking insurance, retirement, and investment solutions.
Customers often evaluate factors such as financial strength, product offerings, customer service, and pricing when selecting a provider, making competition among these companies robust.
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Jackson National Life Insurance Company Claims Process
Ease of Filing a Claim
Jackson National Life Insurance Company offers a convenient claims process that caters to various preferences. Policyholders have the flexibility to file their claims through multiple channels. Whether you prefer the ease of online submissions, the simplicity of filing over the phone, or the convenience of mobile apps, Jackson National has you covered.
Average Claim Processing Time
One critical aspect of evaluating an insurance provider is the speed at which claims are processed. Jackson National prides itself on efficient claim processing. While individual claim processing times may vary depending on the nature and complexity of the claim, the company has a reputation for prompt and timely claim settlements.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Jackson National Life Insurance Company has garnered positive feedback from its policyholders regarding claim resolutions and payouts.
This reflects the company’s commitment to providing reliable and satisfactory claim experiences for its customers. Hearing from satisfied customers can instill confidence in potential policyholders considering Jackson National for their insurance needs.
Jackson National Life Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Jackson National offers a feature-rich mobile app that empowers policyholders with convenient access to their insurance and financial information. The app provides a user-friendly interface, allowing customers to view policy details, make payments, and even file claims directly from their mobile devices.
Online Account Management Capabilities
For those who prefer to manage their insurance accounts through a web-based platform, Jackson National’s online account management capabilities are robust. Policyholders can log in to their accounts securely to review policy information, update personal details, and access important documents.
Digital Tools and Resources
In today’s digital age, having access to helpful resources and tools is essential. Jackson National recognizes this and provides policyholders with a range of digital tools and resources. These include educational materials, retirement planning calculators, and investment management tools.
Frequently Asked Questions
What is Jackson National Life Insurance Company’s A.M. Best rating?
Jackson National Life Insurance Company holds an A+ rating from A.M. Best, reflecting its strong financial stability and reliability as an insurance provider.
How can I contact Jackson National for inquiries or customer support?
You can easily get in touch with Jackson National through their website, where you’ll find contact information. Additionally, they offer customer support services through their hotline for assistance with any questions or concerns.
Can I customize my life insurance policy with Jackson National?
Yes, Jackson National offers customizable life insurance policies, allowing you to tailor coverage to your specific needs and financial goals.
What types of annuities does Jackson National offer?
Jackson National provides various types of annuities, including fixed annuities, variable annuities, and indexed annuities, each offering unique features and benefits to suit different financial preferences.
Are there any fees associated with Jackson National’s services?
Jackson National may have fees associated with their insurance and investment products. It’s important to review the terms and conditions of your specific policy or investment agreement and discuss any applicable fees with a financial advisor for clarity.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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