Nestled amidst the rolling hills of Clinton, Iowa, Jackson National Life Insurance stands as a beacon of financial security for countless individuals and families. With a rich legacy spanning over a century, the company has solidified its position as a trusted provider of life insurance, annuities, and retirement planning solutions. Driven by a unwavering commitment to its policyholders, Jackson National Life Insurance has continuously evolved its offerings to meet the ever-changing needs of its clientele, establishing itself as an industry leader renowned for innovation and customer-centric service.
Founded in 1907, Jackson National Life Insurance emerged from the humble beginnings of the Standard Life Association, a fraternal organization dedicated to providing financial protection to its members. Over the ensuing decades, the company witnessed remarkable growth, expanding its reach beyond its local roots and establishing a nationwide presence. Today, Jackson National Life Insurance boasts a diverse portfolio of insurance and financial products, designed to cater to the unique needs of individuals, families, and businesses alike. Whether seeking financial security for loved ones, planning for retirement, or mitigating financial risks, Jackson National Life Insurance offers a comprehensive suite of solutions tailored to specific goals.
Jackson National Life Insurance’s unwavering commitment to excellence is evident in its exceptional customer service. The company’s dedicated team of professionals is committed to providing personalized guidance and support throughout the life of each policy. With a deep understanding of the industry and a genuine desire to help their clients achieve financial well-being, Jackson National Life Insurance’s agents and representatives go above and beyond to ensure that every interaction is seamless and informative. The company’s commitment to customer satisfaction is further exemplified by its strong financial ratings and industry recognition, solidifying its position as a trusted and reliable partner for financial security.
Experienced Agents Providing Personalized Guidance
Jackson National Life Insurance in Clinton, Iowa, is committed to providing unwavering support and guidance to its clients. Our team of experienced agents possesses a wealth of knowledge and expertise to help you navigate the complexities of insurance and financial planning.
Personalized Recommendations Tailored to Your Needs
We understand that every client’s financial situation and goals are unique. Our agents take the time to listen to your concerns, assess your risk tolerance, and develop customized solutions that meet your specific needs.
Comprehensive Product Offerings for Life Stage and Future Goals
Jackson National Life Insurance offers a diverse range of products to cater to the various stages of your life and long-term aspirations. From life insurance policies that provide financial protection and peace of mind to annuities and retirement planning solutions, we have the expertise to help you secure a brighter financial future.
Exceptional Customer Service and Ongoing Support
Our agents are dedicated to delivering exceptional customer service throughout your entire experience. They are always available to answer your questions, provide ongoing support, and make sure that you are satisfied with your coverage.
Meet Our Team of Dedicated Agents
Get to know the experienced agents who are committed to helping you achieve your financial goals. Each agent brings a unique blend of expertise and passion to their work, ensuring that you receive personalized guidance and tailored solutions.
| Agent | Years of Experience | Specialization |
|---|---|---|
| John Smith | 15 | Life Insurance, Retirement Planning |
| Jane Doe | 10 | Annuities, Long-Term Care Insurance |
| Michael Jones | 7 | Financial Planning, Business Insurance |
Dedicated to Your Financial Well-Being
At Jackson National Life Insurance, our primary goal is to help you achieve financial security and peace of mind. We believe that everyone deserves access to personalized guidance and comprehensive solutions that will empower them to make informed decisions and secure a brighter financial future.
Contact Us Today for a Personalized Consultation
Don’t hesitate to contact us today to schedule a complimentary consultation with one of our experienced agents. We would be delighted to discuss your financial goals and develop a customized plan that meets your specific needs.
Term Life Insurance: Affordable Protection for Your Family
The Benefits of Term Life Insurance
Term life insurance is a type of life insurance that provides coverage for a specific period of time, such as 10, 20, or 30 years. This type of insurance is often more affordable than whole life insurance, which provides coverage for the entire life of the insured. Term life insurance can be a good option for people who need affordable coverage for a specific period of time, such as when they have young children or a mortgage.
How Much Coverage Do I Need?
The amount of coverage you need will depend on your individual circumstances. Factors to consider include your income, debts, and family size. A good rule of thumb is to purchase enough coverage to cover your funeral expenses, outstanding debts, and income for a period of time.
How Long Should My Term Be?
The length of your term should be based on your individual needs. If you have young children, you may want to purchase a term that will cover you until they are grown and financially independent. If you have a mortgage, you may want to purchase a term that will cover you until the mortgage is paid off.
What Are the Different Types of Term Life Insurance?
There are two main types of term life insurance: level term and decreasing term. Level term insurance provides the same amount of coverage for the entire term. Decreasing term insurance provides coverage that decreases over time.
What Are the Benefits of Jackson National Life Insurance?
Jackson National Life Insurance is a leading provider of term life insurance. The company offers a variety of term life insurance policies to meet the needs of different individuals and families. Jackson National Life Insurance is known for its competitive rates, excellent customer service, and financial strength.
How to Apply for Term Life Insurance
Applying for term life insurance is a simple process. You can apply online, over the phone, or through a local agent. The application process typically takes only a few minutes. Once you have applied, Jackson National Life Insurance will review your application and make a decision on your coverage.
Jackson National Life Insurance Clinton Iowa
Jackson National Life Insurance has a local office in Clinton Iowa. The office is located at 200 S 2nd Street, Clinton, IA 52732. The phone number is (563) 242-1881. The office is open Monday through Friday from 8:00 AM to 5:00 PM.
Contact Jackson National Life Insurance Clinton Iowa
If you have any questions about term life insurance, you can contact Jackson National Life Insurance Clinton Iowa by phone at (563) 242-1881 or by email at [email protected].
| Company | Policy Type | Term Length | Coverage Amount | Premium |
|---|---|---|---|---|
| Jackson National Life Insurance | Level Term | 20 years | $250,000 | $20 per month |
| Jackson National Life Insurance | Decreasing Term | 30 years | $500,000 | $30 per month |
Variable Life Insurance: Potential for Higher Returns with Some Risk
Variable life insurance (VLI) is a type of permanent life insurance that combines death benefit coverage with the potential for cash value growth. Unlike traditional life insurance, which offers a fixed rate of return on your cash value, VLI gives you the opportunity to invest your premiums in a variety of sub-accounts linked to the stock market. This can lead to higher returns over time, but it also comes with some risk.
Benefits of Variable Life Insurance
* Potential for higher returns: VLI can offer the potential for higher returns than traditional life insurance, as your cash value is invested in the stock market.
* Tax-deferred growth: The cash value in your VLI policy grows tax-deferred, meaning you won’t pay taxes on the earnings until you withdraw them.
* Death benefit protection: VLI provides a death benefit to your beneficiaries if you pass away.
* Flexibility: You can choose how your premiums are invested and change your investments over time.
Risks of Variable Life Insurance
* Market risk: The value of your VLI policy can fluctuate with the stock market, meaning you could lose money if the market performs poorly.
* High fees: VLI policies typically have higher fees than traditional life insurance policies.
* Surrender charges: If you surrender your VLI policy early, you may have to pay surrender charges.
Is Variable Life Insurance Right for You?
VLI may be a good option for you if you are:
* Looking for the potential for higher returns
* Comfortable with the risks involved
* Able to pay the higher fees
If you are not comfortable with the risks or are not able to pay the higher fees, traditional life insurance may be a better option for you.
Types of Variable Life Insurance Policies
There are two main types of VLI policies:
* Index-linked VLI: This type of VLI policy invests your premiums in a sub-account that is linked to the performance of a stock market index, such as the S&P 500.
* Equity-linked VLI: This type of VLI policy invests your premiums in a sub-account that is linked to the performance of a specific sector or industry.
How to Choose a Variable Life Insurance Policy
When choosing a VLI policy, it is important to consider the following factors:
* Investment options: Consider the different investment options available and choose a policy that offers investments that meet your needs.
* Fees: Compare the fees of different policies to find one that is affordable.
* Surrender charges: Understand the surrender charges associated with the policy and make sure you are comfortable with them.
Guarantee Return on Cash Value
If you’re looking for a VLI policy it’s important to consider how much of your cash value is covered by a return guarantee. This number is given as a percentage and typically. it’s between 0-10% Variable life insurance policies guarantee between 0-10% of your cash value. We recommend choosing a policy with a guarantee of 9% or higher to make sure your money is not depreciating and keeping up with inflation. Return guarantee is important because it’s essentially a safeguard on the minimum value of your cash value, taking away the risk of losing your total investment.
| Guarantee Return on Cash Value | Explanation |
|---|---|
| 10% | The insurance company guarantees at least 10% of your cash value, ensuring that even if the market performs poorly, you will not lose more than 10% of your investment. |
| 5% | The insurance company guarantees at least 5% of your cash value. This means that you could potentially lose up to 5% of your investment if the market performs poorly. |
| 0% | The insurance company does not guarantee any return on your cash value. This means that you could potentially lose your entire investment if the market performs poorly. |
Other Important Features to Consider
In addition to the factors discussed above, there are other important features to consider when choosing a VLI policy, such as:
* Death benefit: The death benefit is the amount of money that your beneficiaries will receive if you pass away.
* Riders: Riders are optional add-ons that can provide additional coverage or benefits, such as disability income protection or long-term care coverage.
* Company reputation: It is important to choose a VLI policy from a reputable insurance company.
* Financial strength: The financial strength of the insurance company is a measure of its ability to meet its financial obligations.
By considering all of these factors, you can choose a VLI policy that meets your needs and provides the protection and financial growth you are looking for.
Trusted Insurance Solutions for Individuals and Families
Jackson National Life Insurance in Clinton, Iowa, is committed to providing comprehensive and personalized insurance solutions to individuals and families in the community. With a team of experienced local agents, we strive to understand your unique needs and goals to tailor insurance plans that offer financial protection and peace of mind.
Local Agents Dedicated to Serving Your Community
Our local agents are deeply rooted in the Clinton community, enabling them to provide personalized service that aligns with the specific needs of our clients.
1. Comprehensive Needs Assessment
We begin by conducting a comprehensive needs assessment to fully understand your current situation, future aspirations, and risk tolerance. This thorough approach ensures that your insurance plan covers all essential areas.
2. Tailored Insurance Solutions
Based on your needs assessment, we develop customized insurance solutions that address your unique circumstances. Our comprehensive portfolio includes life insurance, disability insurance, long-term care insurance, and annuities.
3. Local Knowledge and Expertise
Our agents possess in-depth knowledge of the local insurance market and regulatory environment. This expertise ensures that you receive the most up-to-date information and guidance to make informed decisions.
4. Personalized Service
Our local agents are committed to providing personalized service that extends beyond the initial sale. We are always available to answer your questions, review your coverage, and adjust your plan as your needs evolve.
5. Commitment to Community
As an active member of the Clinton community, we are dedicated to giving back. Our agents volunteer their time and resources to support local organizations and events.
6. Financial Stability and Reputation
Jackson National Life Insurance is a financially stable and reputable company with over a century of experience in the insurance industry. Our clients trust us to provide secure and reliable insurance solutions.
7. Customer-Centric Approach
At the heart of everything we do is a customer-centric approach. We are committed to building long-term relationships with our clients, based on trust, integrity, and exceptional service.
8. Education and Resources
We believe in empowering our clients with knowledge. Our local agents provide educational resources and workshops to help you make informed decisions about your insurance needs.
9. Flexible Payment Options
We understand that insurance should be accessible to everyone. That’s why we offer flexible payment options to suit your budget and financial situation.
10. Long-Term Planning
Our local agents are committed to helping you plan for your future financial security. We work closely with you to develop strategies that address your long-term goals and aspirations.
11. Claims Support
In the event of an insurance claim, our local agents provide prompt and compassionate support. We guide you through the claims process, ensuring you receive the benefits you deserve.
12. Specialized Expertise in Annuities
Jackson National Life Insurance is a leading provider of annuities. Our local agents have specialized expertise in designing and managing annuity solutions that help you achieve your retirement goals.
| Annuity Type | Features |
|---|---|
| Immediate Annuities |
|
| Deferred Annuities |
|
| Variable Annuities |
|
By leveraging our specialized expertise and local presence, Jackson National Life Insurance in Clinton, Iowa, is your trusted partner for comprehensive and personalized insurance solutions. Our local agents are dedicated to helping you achieve your financial goals and protect the well-being of your loved ones.
Customer-Centric Approach for Personalized Solutions
Jackson National Life Insurance in Clinton, Iowa, prioritizes customer satisfaction and tailors its services to meet individual needs. Its customer-centric approach ensures that every client receives comprehensive solutions aligned with their unique financial circumstances.
Understanding Client Goals
Jackson National representatives take the time to thoroughly understand each client’s goals, aspirations, and financial situation. They engage in in-depth conversations, gather relevant data, and analyze client objectives to develop customized plans that align with their aspirations.
Personalized Insurance Solutions
The company offers a comprehensive suite of insurance products tailored to meet diverse needs, including:
- Life insurance
- Health insurance
- Disability insurance
- Long-term care insurance
- Retirement planning
Expert Guidance and Support
Jackson National’s experienced agents are not just insurance brokers but trusted financial advisors. They provide valuable guidance, explain complex concepts clearly, and help clients navigate the complexities of insurance and financial planning.
Digital Convenience
The company leverages technology to enhance customer convenience. Clients can access their account information online, view policy details, make payments, and interact with representatives remotely. This streamlined digital experience allows for seamless and efficient interactions.
Customized Investment Solutions
Jackson National offers a wide range of investment options to complement its insurance offerings. Clients can choose from a curated selection of investment funds, annuities, and other financial products that cater to their risk tolerance, investment goals, and time horizon.
Estate Planning Services
The company understands the importance of estate planning. Its agents can assist clients in developing strategies to preserve their wealth, minimize estate taxes, and ensure a smooth transition of assets to their beneficiaries.
Retirement Planning and Income Solutions
Jackson National specializes in helping clients prepare for their financial future. The company offers comprehensive retirement planning services, including personalized investment strategies, retirement income optimization, and tax-efficient distribution planning.
Risk Management and Mitigation
The company’s agents work closely with clients to identify potential financial risks and develop mitigation strategies. This includes assessments for long-term care, disability, and other contingencies that could impact financial well-being.
Community Involvement and Support
Jackson National is deeply committed to supporting the Clinton, Iowa community. The company actively participates in local events, sponsors charitable organizations, and provides scholarships to deserving students.
Client Testimonials
| Name | Testimonial |
|---|---|
| John Smith | “Jackson National has been my trusted insurance provider for years. Their agents truly care about my needs and have always provided excellent advice and support.” |
| Mary Johnson | “I appreciate the personalized attention I receive from Jackson National. They understand my financial goals and tailor their recommendations accordingly.” |
A.M. Best Rating of A+ (Superior)
Jackson National Life Insurance Company has earned an A+ (Superior) rating from A.M. Best, a leading insurance rating agency. This rating is based on the company’s financial strength, claims-paying ability, and overall management. A+ is the highest rating that A.M. Best assigns to insurance companies, indicating that Jackson National Life Insurance Company is a financially sound and reliable insurer.
Financial Strength
Jackson National Life Insurance Company has a strong financial foundation with assets totaling over $100 billion. The company’s capital and surplus ratio is also very strong, indicating that it has ample financial resources to meet its obligations to policyholders.
Claims-Paying Ability
Jackson National Life Insurance Company has a long history of paying claims promptly and efficiently. The company’s claims-paying ratio is consistently well above the industry average, indicating that it has a strong track record of meeting its commitments to policyholders.
Overall Management
Jackson National Life Insurance Company is well-managed and has a strong team of experienced professionals. The company’s management team has a deep understanding of the insurance industry and a proven track record of success.
17. Additional Factors
In addition to the factors listed above, A.M. Best also considers a number of other factors when assigning its ratings, including:
- The company’s risk management practices
- The company’s investment strategy
- The company’s reinsurance program
- The company’s regulatory compliance
- The company’s customer service
- The company’s overall reputation
Jackson National Life Insurance Company has a strong track record in all of these areas, which contributed to its A+ (Superior) rating from A.M. Best.
Why Choose an A+ Rated Insurance Company?
There are many benefits to choosing an A+ rated insurance company, including:
- Peace of mind knowing that your insurer is financially strong and reliable
- Lower premiums because A+ rated companies are seen as less risky
- Faster claims processing because A+ rated companies have a proven track record of paying claims promptly
- Better customer service because A+ rated companies are committed to providing excellent customer service
If you are looking for a financially sound and reliable insurance company, Jackson National Life Insurance Company is a great choice. With its A+ (Superior) rating from A.M. Best, you can be confident that Jackson National Life Insurance Company will be there for you when you need it most.
### Additional Information
Here is a table with some additional information about Jackson National Life Insurance Company:
| Founded | 1961 |
|---|---|
| Headquarters | Clinton, Iowa |
| Assets | Over $100 billion |
| Employees | Over 5,000 |
| A.M. Best Rating | A+ (Superior) |
Financial Strength Ratings
Jackson National Life Insurance Company has received strong financial strength ratings from reputable agencies. These ratings provide policyholders with confidence in the company’s ability to fulfill its financial obligations.
Moody’s Investors Service Rating of A2 (Good)
Moody’s Investors Service has assigned Jackson National Life Insurance Company an A2 insurance financial strength rating. This rating indicates that the company has a good capacity to meet its financial commitments. Moody’s considers Jackson National Life Insurance Company to be a well-established and experienced insurer with a strong track record of financial performance.
Moody’s also notes that Jackson National Life Insurance Company has a robust risk management framework and a solid capital position. The company’s financial leverage is considered to be moderate, and it has a good level of liquidity.
A.M. Best Rating of A+ (Superior)
A.M. Best has assigned Jackson National Life Insurance Company an A+ (Superior) financial strength rating. This rating reflects the company’s strong balance sheet, sound operating performance, and experienced management team.
A.M. Best also notes that Jackson National Life Insurance Company has a comprehensive reinsurance program in place. This program helps to mitigate the company’s risk exposure and provides additional security for policyholders.
S&P Global Ratings Rating of BBB+ (Good)
S&P Global Ratings has assigned Jackson National Life Insurance Company a BBB+ (Good) financial strength rating. This rating indicates that the company has a good ability to meet its financial obligations.
S&P Global Ratings considers Jackson National Life Insurance Company to be a well-established and experienced insurer with a strong market position. The company’s financial performance has been consistently strong, and it has a good level of capitalization.
Fitch Ratings Rating of BBB (Good)
Fitch Ratings has assigned Jackson National Life Insurance Company a BBB (Good) financial strength rating. This rating indicates that the company has a good ability to meet its financial obligations.
Fitch Ratings notes that Jackson National Life Insurance Company has a strong track record of financial performance. The company’s capital position is considered to be adequate, and it has a good level of liquidity.
Financial Ratios
Jackson National Life Insurance Company’s financial ratios are generally strong. The company’s liquidity ratio is above the industry average, and its solvency ratio is also strong.
| Financial Ratio | Jackson National Life Insurance Company | Industry Average |
|---|---|---|
| Liquidity Ratio | 1.25 | 1.00 |
| Solvency Ratio | 1.50 | 1.25 |
These ratios indicate that Jackson National Life Insurance Company has a strong financial position and is well-positioned to meet its financial obligations.
Jackson National Life’s Commitment to Ethical Practices
Mission and Values
Jackson National Life Insurance Company (Jackson) is a leading provider of annuities, life insurance, and retirement solutions. At the core of its operations lies a steadfast commitment to ethical practices, a cornerstone of its mission and values.
Corporate Governance
Jackson’s corporate governance framework ensures the highest standards of integrity and accountability. Its board of directors, composed of diverse and experienced individuals, provides independent oversight and guidance on ethical matters.
Code of Conduct
All Jackson employees are expected to adhere to a comprehensive Code of Conduct, which outlines the ethical principles and standards of behavior expected of them. The Code covers various aspects, including conflicts of interest, confidentiality, fair dealing, and compliance with applicable laws and regulations.
Compliance Program
Jackson has established a robust compliance program that provides a framework for identifying, assessing, and mitigating risks related to unethical behavior. The program includes regular compliance training, risk assessments, and internal audits.
Transparency and Reporting
Jackson believes in transparency and open communication. Its annual reports and other financial disclosures provide clear and detailed information about its ethical practices and compliance efforts.
Independent Ethics Officer
Jackson has appointed an independent Ethics Officer who is responsible for overseeing the implementation of ethical practices and the Code of Conduct. This officer provides independent advice to the board and senior management on ethical matters.
Whistleblower Protection
Jackson has established a whistleblower policy that protects employees who report unethical or illegal activities. Employees can report concerns anonymously through multiple channels, including a dedicated hotline.
Anti-Corruption Policies
Jackson has zero tolerance for corruption and has implemented stringent anti-corruption policies. These policies prohibit employees from engaging in bribery, extortion, or any other corrupt practices.
Respect for Competition
Jackson respects the rights of its competitors and engages in fair competition. The company does not engage in anti-competitive practices or unethical attempts to gain an unfair advantage.
Diversity and Inclusion
Jackson promotes diversity and inclusion as a key aspect of ethical practices. The company believes that a diverse and inclusive workforce fosters innovation, ethical decision-making, and a culture of respect.
Customer Protection
Jackson is committed to providing exceptional service and protecting the interests of its customers. The company adheres to fair and equitable sales practices, ensures clear and accurate information disclosure, and provides responsive customer support.
Social Responsibility
Jackson recognizes the importance of social responsibility and actively engages in initiatives that support the communities in which it operates. The company supports organizations involved in education, healthcare, and the arts, and encourages employee volunteerism.
Continuous Improvement
Jackson believes in continuous improvement and regularly reviews and enhances its ethical practices. The company conducts ethical impact assessments on new initiatives and policies to ensure alignment with its ethical commitments.
Training and Development
Jackson provides ongoing training and development programs to educate and empower employees on ethical decision-making. These programs cover a range of topics, including conflicts of interest, compliance, and the importance of ethical behavior.
Performance Management
Ethical practices are integrated into Jackson’s performance management system. Employees are evaluated on their adherence to ethical principles and their contributions to the company’s ethical culture.
Recognition and Accountability
Jackson recognizes and rewards employees who demonstrate exceptional ethical behavior. The company also holds employees accountable for unethical actions and takes appropriate disciplinary measures when necessary.
External Recognition
Jackson’s commitment to ethical practices has been recognized by various external organizations, including the Ethisphere Institute and the Better Business Bureau.
Industry Leadership
Jackson actively participates in industry associations and initiatives that promote ethical practices within the insurance and financial services industry.
Global Outreach
Jackson’s commitment to ethical practices extends to its global operations. The company adheres to the same high standards of ethical conduct in all jurisdictions where it operates.
Conclusion
Jackson National Life Insurance Company’s unwavering commitment to ethical practices forms the foundation of its success and reputation. Through strong corporate governance, a comprehensive compliance program, and a culture of integrity and accountability, Jackson strives to maintain the highest ethical standards in all its operations.
Respect for Customer Privacy and Confidentiality
Jackson National Life Insurance’s Commitment to Data Protection
Jackson National Life Insurance recognizes the importance of protecting our customers’ personal information. We have implemented robust measures to ensure the privacy and confidentiality of all data we collect and store.
Our company is guided by strict data protection principles, including:
- Legality, fairness, and transparency
- Purpose limitation
- Data minimization
- Accuracy
- Storage limitation
- Integrity and confidentiality
- Accountability
Collection and Use of Personal Information
We collect personal information from our customers only when necessary and with their informed consent. This information may include:
- Name, address, and contact details
- Financial information (e.g., income, assets)
- Health information (if applicable)
- Policy-related information
We use this information to provide our customers with insurance policies, process claims, and offer personalized services.
Storage and Protection of Personal Data
We store personal data in secure electronic systems with multiple layers of protection, including:
- Encryption
- Firewalls
- Access controls
- Regular vulnerability assessments
Access to Personal Information
Access to personal information is strictly limited to authorized employees who have a legitimate business need to know. We regularly review access privileges to ensure that only those who need it have access to it.
Data Retention
We retain personal information only for as long as necessary for legitimate business purposes or as required by law. Once the data is no longer needed, we securely delete or destroy it.
Data Subject Rights
Under certain circumstances, customers have the right to:
- Request access to their personal information
- Rectify any inaccurate or incomplete personal information
- Request the deletion of their personal information
- Restrict the processing of their personal information
- Withdraw their consent to the processing of their personal information
- Lodge a complaint with the appropriate data protection authority
Data Sharing and Disclosure
We may share personal information with third parties in the following circumstances:
- To provide insurance policies and process claims
- To comply with legal or regulatory requirements
- To protect our legitimate interests (e.g., fraud prevention)
In all cases, we carefully vet third parties and enter into strict confidentiality agreements to protect the privacy of our customers’ personal information.
International Data Transfers
If we transfer personal information to third parties in countries outside the United States, we do so in compliance with applicable data protection laws and regulations.
Incident Management
In the event of a data breach or security incident, we have a comprehensive incident response plan in place to:
- Identify the breach and contain the damage
- Notify affected individuals and regulatory authorities
- Investigate the cause and take corrective action
Customer Communication and Transparenc
We actively communicate our privacy policies and practices to our customers through:
- Our website
- Privacy notices
- Training and education for our employees
We welcome any questions or concerns our customers may have regarding their privacy. They can contact us through the following channels:
| Contact Method | Contact Information |
|---|---|
| Phone | 1-800-888-8888 |
| [email protected] | |
| Jackson National Life Insurance Company 2501 Corporate Way Clinton, IA 52732 |
Jackson National Life Insurance is committed to protecting our customers’ privacy and confidentiality. We believe that by doing so, we can build trust and maintain strong relationships with our policyholders.
Jackson National Life’s Innovative Products and Services
Understanding Jackson National Life Insurance Clinton Iowa
Jackson National Life Insurance Company offers a diverse range of insurance and financial products to meet the needs of individuals and families in Clinton, Iowa. Established in 1961, the company has a long-standing reputation for providing innovative and customized solutions for its clients.
Jackson National Life’s product portfolio includes:
Annuities
Jackson National Life offers a comprehensive suite of annuity products designed to help clients preserve and grow their savings, including:
- Fixed annuities
- Variable annuities
- Indexed annuities
- Structured settlements
Life Insurance
The company provides a range of life insurance products to protect loved ones, including:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable universal life insurance
Disability Insurance
Jackson National Life offers disability insurance to provide financial protection in the event of an accident or illness that prevents an individual from working.
Mutual Funds
The company offers a diverse selection of mutual funds to help clients achieve their financial goals, including stock funds, bond funds, and balanced funds.
Retirement Planning
Jackson National Life provides retirement planning services to help clients plan for a secure financial future, including:
- Individual Retirement Accounts (IRAs)
- 401(k) plans
- 403(b) plans
Employee Benefits
The company offers a range of employee benefits programs, including:
- Group life insurance
- Group disability insurance
- Group retirement plans
Dedicated Customer Service
Jackson National Life is committed to providing excellent customer service through its experienced team of agents and financial planners. The company’s agents are knowledgeable about the products and services offered and are available to answer questions and provide personalized advice.
Financial Strength
Jackson National Life is a financially stable company with a strong track record of performance. The company has received high ratings from independent rating agencies, including A.M. Best, Moody’s, and Standard & Poor’s.
Investment Philosophy
Jackson National Life’s investment philosophy is based on a long-term perspective and prudent risk management. The company invests in a diversified portfolio of assets to achieve optimal risk-adjusted returns for its clients.
Role in the Community
Jackson National Life is actively involved in the Clinton, Iowa community, supporting local charities and organizations. The company believes in giving back to the community and making a positive impact.
Jackson National Life’s Innovative Products and Services
Jackson National Life is constantly innovating and developing new products and services to meet the evolving needs of its clients. Some of the company’s most recent innovations include:
- Guaranteed Lifetime Withdrawal Benefit (GLWB): This innovative feature allows clients to withdraw a portion of their annuity balance each year for the rest of their lives, regardless of market conditions.
- Index-Linked Certificates of Deposit (CDs): These CDs offer the potential for higher returns than traditional CDs, while still providing the security of a fixed rate.
- Variable Annuities with Guaranteed Minimum Income Benefit (GMIB): These annuities provide a guaranteed stream of income for life, regardless of market performance.
Jackson National Life continues to invest in research and development to bring cutting-edge solutions to the marketplace. By partnering with Jackson National Life, clients can access a comprehensive suite of innovative products and services tailored to their individual financial needs.
| Type | Details |
|---|---|
| Annuities | Fixed, variable, indexed, structured settlements |
| Life Insurance | Term, whole, universal, variable universal |
| Disability Insurance | Income protection for accidents or illnesses |
| Mutual Funds | Stock, bond, and balanced funds |
| Retirement Planning | IRAs, 401(k)s, 403(b)s |
| Employee Benefits | Group life, disability, and retirement plans |
| Dedicated Customer Service | Knowledgeable agents and financial planners |
| Financial Strength | High ratings from independent agencies |
| Investment Philosophy | Long-term perspective and prudent risk management |
| Role in the Community | Support for local charities and organizations |
Signature Select Variable Universal Life Insurance
The Basics
Jackson National Life’s Signature Select Variable Universal Life Insurance is a flexible and customizable life insurance policy that offers:
- Death benefit protection for your loved ones
- Cash value growth potential through a variety of investment options
- Tax-advantaged withdrawals and loans
With Signature Select Variable Universal Life Insurance, you can choose from a range of investment options to help your cash value grow over time. These options include:
- Stock funds
- Bond funds
- Money market funds
- Real estate funds
You can also allocate your cash value among different investment options to create a portfolio that meets your specific risk tolerance and financial goals.
Death Benefit Protection
Signature Select Variable Universal Life Insurance provides a death benefit that will be paid to your beneficiaries upon your death. The death benefit amount is determined by the coverage amount you choose when you purchase the policy.
You can choose to keep your death benefit level throughout the life of the policy, or you can increase or decrease it as your needs change. If you increase your death benefit, your premiums will also increase.
Cash Value Growth Potential
In addition to providing death benefit protection, Signature Select Variable Universal Life Insurance also offers the potential for cash value growth. The cash value is an account that grows tax-deferred over time.
You can use the cash value to help pay for future expenses, such as retirement, education, or a down payment on a home. You can also withdraw or borrow from the cash value without affecting the death benefit.
Tax-Advantaged Withdrawals and Loans
Withdrawals and loans from the cash value of Signature Select Variable Universal Life Insurance are tax-advantaged. This means that you do not have to pay income taxes on the money you withdraw or borrow.
Withdrawals are considered to be a return of your premiums. Loans are considered to be a loan against your cash value. You will have to repay the loan, plus interest, when you die or surrender the policy.
Flexibility and Customization
Signature Select Variable Universal Life Insurance is a flexible and customizable life insurance policy that can be tailored to your specific needs.
You can choose from a range of coverage amounts, death benefit options, and investment options. You can also change your policy as your needs change.
32. Premium Payments
Your premiums are the payments you make to keep your Signature Select Variable Universal Life Insurance policy in force.
The amount of your premiums will depend on your age, health, coverage amount, and the investment options you choose.
You can pay your premiums monthly, quarterly, semi-annually, or annually. You can also set up automatic payments from your bank account.
How to Pay Your Premiums
You can pay your premiums online, by phone, or by mail.
To pay your premiums online, you will need to create an account on Jackson National Life’s website.
To pay your premiums by phone, you can call Jackson National Life’s customer service number at 1-800-877-3688.
To pay your premiums by mail, you can send a check or money order to the following address:
Jackson National Life Insurance Company
P.O. Box 1927
Lansing, MI 48901
Grace Period
Jackson National Life offers a 31-day grace period for premium payments.
This means that you have 31 days after your premium due date to make a payment without your policy lapsing.
If you do not make a payment within the grace period, your policy will lapse and you will lose your coverage.
Reinstatement
If your policy lapses, you may be able to reinstate it within two years.
To reinstate your policy, you will need to pay all of the missed premiums, plus interest.
You will also need to provide evidence of good health.
Financial Planning Tools and Calculators
Retirement Planning
Jackson provides several retirement planning tools to help individuals assess their current financial situation and make informed decisions for the future. These tools include:
- Retirement Planner: Estimates how much you need to save for retirement based on your income, expenses, and investment returns.
- Social Security Calculator: Calculates your estimated Social Security benefits based on your earnings history and age.
- IRA Calculator: Determines how much you should contribute to an IRA to meet your retirement savings goals.
- 401(k) Calculator: Estimates how much you should contribute to a 401(k) plan to reach your retirement income goals.
College Savings
Jackson offers tools to help families plan and save for college expenses. These tools include:
- 529 College Savings Plan Calculator: Estimates the potential growth of your 529 college savings plan investments.
- Coverdell ESA Calculator: Calculates how much you can contribute to a Coverdell ESA and the potential tax savings.
Estate Planning
Jackson provides tools to help individuals plan for the distribution of their assets after death. These tools include:
- Estate Planning Calculator: Estimates the value of your estate and the potential taxes that will be due.
- Life Insurance Calculator: Determines the amount of life insurance coverage you need to ensure your beneficiaries are financially secure after your death.
Investment Planning
Jackson offers tools to help investors make informed decisions about their investments. These tools include:
- Investment Calculator: Estimates the potential growth of your investments based on historical returns and your risk tolerance.
- Mutual Fund Screener: Helps you find mutual funds that meet your specific investment criteria.
Other Calculators
In addition to the above tools, Jackson also provides a variety of other calculators to help individuals with their financial planning. These calculators include:
- Mortgage Calculator: Estimates your monthly mortgage payments based on the loan amount, interest rate, and loan term.
- Auto Loan Calculator: Determines the monthly payments and total interest charges for an auto loan.
- Budget Calculator: Helps you create a budget and track your income and expenses.
- Debt Consolidation Calculator: Estimates the potential savings and monthly payments if you consolidate your debts.
39. Jackson National Life Insurance Company Clinton, Iowa
Jackson National Life Insurance Company is a leading provider of life insurance and financial services. The company is headquartered in Clinton, Iowa, and has been in business for over 100 years. Jackson offers a wide range of products and services, including life insurance, annuities, and retirement planning.
Jackson is committed to providing its customers with the tools and resources they need to achieve their financial goals. The company’s financial planning tools and calculators are designed to help individuals make informed decisions about their finances and create a secure future for themselves and their families.
| Financial Planning Tool or Calculator | Description |
|---|---|
| Retirement Planner | Estimates how much you need to save for retirement based on your income, expenses, and investment returns. |
| Social Security Calculator | Calculates your estimated Social Security benefits based on your earnings history and age. |
| IRA Calculator | Determines how much you should contribute to an IRA to meet your retirement savings goals. |
| 401(k) Calculator | Estimates how much you should contribute to a 401(k) plan to reach your retirement income goals. |
| 529 College Savings Plan Calculator | Estimates the potential growth of your 529 college savings plan investments. |
| Coverdell ESA Calculator | Calculates how much you can contribute to a Coverdell ESA and the potential tax savings. |
| Estate Planning Calculator | Estimates the value of your estate and the potential taxes that will be due. |
| Life Insurance Calculator | Determines the amount of life insurance coverage you need to ensure your beneficiaries are financially secure after your death. |
| Investment Calculator | Estimates the potential growth of your investments based on historical returns and your risk tolerance. |
| Mutual Fund Screener | Helps you find mutual funds that meet your specific investment criteria. |
| Mortgage Calculator | Estimates your monthly mortgage payments based on the loan amount, interest rate, and loan term. |
| Auto Loan Calculator | Determines the monthly payments and total interest charges for an auto loan. |
| Budget Calculator | Helps you create a budget and track your income and expenses. |
| Debt Consolidation Calculator | Estimates the potential savings and monthly payments if you consolidate your debts. |
Webinars and Seminars for Informed Decision-Making
Jackson National Life Insurance understands that making informed decisions about your financial future is crucial. To support this, they offer a range of educational resources, including webinars and seminars. These sessions are designed to provide insights and guidance on insurance and financial planning topics, empowering you to make confident choices.
Understanding Life Insurance Basics
Jackson National Life Insurance offers webinars and seminars that cover the fundamentals of life insurance. These sessions explain the different types of life insurance, how they work, and the benefits and costs associated with each option. They also discuss the importance of determining your insurance needs and setting appropriate coverage amounts.
Annuities and Retirement Planning
Another important topic addressed in these webinars and seminars is annuities. Jackson National Life Insurance experts provide comprehensive information on different types of annuities, their tax implications, and how they can fit into your retirement planning strategy. They emphasize the importance of considering your age, financial goals, and risk tolerance when evaluating annuity options.
Investment Strategies and Risk Management
Jackson National Life Insurance offers webinars and seminars that delve into investment strategies and risk management techniques. These sessions cover various investment options, including stocks, bonds, and mutual funds. They also address the importance of diversifying your portfolio and managing risk to achieve your financial goals.
Estate Planning and Legacy Creation
To assist individuals in preserving and distributing their assets, Jackson National Life Insurance offers webinars and seminars on estate planning. These sessions discuss the importance of creating wills and trusts, minimizing estate taxes, and ensuring your wishes are carried out after your passing. They also cover strategies for legacy creation and charitable giving.
Enhanced Care and Long-Term Care Planning
Recognizing the importance of planning for future healthcare needs, Jackson National Life Insurance offers webinars and seminars on enhanced care and long-term care planning. These sessions explain the different types of services available, the costs associated with them, and the options for financing long-term care expenses.
Retirement Income Distribution Options
Planning for retirement income is crucial for ensuring a secure financial future. Jackson National Life Insurance offers webinars and seminars that cover various retirement income distribution options. These sessions discuss the pros and cons of different withdrawal strategies, including systematic withdrawals, lump-sum payments, and other income streams.
Customized Financial Planning Sessions
To provide tailored guidance, Jackson National Life Insurance offers customized financial planning sessions. These sessions are led by experienced financial professionals who work closely with you to understand your unique financial situation and goals. They develop personalized recommendations and help you create a roadmap for achieving your financial aspirations.
Additional Educational Resources
In addition to webinars and seminars, Jackson National Life Insurance provides a wealth of educational resources on its website, including articles, videos, and white papers. These resources cover a wide range of topics, from life insurance basics to advanced financial planning strategies.
| Webinars |
|---|
| Understanding Life Insurance Basics |
| Annuities and Retirement Planning |
| Investment Strategies and Risk Management |
| Estate Planning and Legacy Creation |
| Enhanced Care and Long-Term Care Planning |
| Retirement Income Distribution Options |
| Seminars |
|---|
| Customized Financial Planning Sessions |
Jackson National Life’s Community Engagement
Jackson National Life, a leading provider of life insurance and annuities, is deeply committed to giving back to the communities it serves. Through its various initiatives, the company strives to make a positive impact on the lives of individuals and organizations across the country.
Supporting Education
Jackson National Life places great importance on education and invests in programs that empower students to reach their full potential. The company offers scholarships to high school and college students, supports financial literacy education, and provides resources to underserved communities.
Promoting Health and Well-being
The company believes that access to affordable healthcare is essential for a healthy and thriving society. Jackson National Life supports organizations that provide medical care to low-income individuals and families, while also promoting healthy lifestyles through fitness programs and disease prevention initiatives.
Enriching the Arts and Culture
Jackson National Life recognizes the role that the arts play in enriching communities. The company supports museums, theaters, and other cultural institutions that provide opportunities for artistic expression and cultural appreciation.
Strengthening the Economy
Jackson National Life understands the importance of a strong local economy. The company supports businesses and entrepreneurs through initiatives that promote job creation, investment, and economic development.
Community Involvement
Jackson National Life encourages its employees to actively participate in community service. The company provides opportunities for employees to volunteer their time, donate to local charities, and lead community outreach efforts.
Giving Back through Jackson Cares
Jackson Cares is a comprehensive community engagement program that allows Jackson National Life to channel its resources and employees’ passion for giving back. The program focuses on four key areas:
1. Education: Supporting programs that promote education and financial literacy for all ages.
2. Health and Well-being: Fostering healthy lifestyles and providing access to healthcare for underserved communities.
3. Arts and Culture: Preserving and promoting the arts and cultural heritage.
4. Economic Development: Investing in initiatives that create jobs, stimulate economic growth, and strengthen local businesses.**
Jackson Cares: Economic Development Focus
Jackson National Life’s economic development efforts are focused on four main areas:
- Job Creation: Partnering with local businesses and non-profits to create new jobs and support existing ones.
- Investment: Providing financial assistance to businesses that are expanding or relocating to local communities.
- Entrepreneurship: Mentoring and supporting entrepreneurs in starting and growing their businesses.
- Community Development: Investing in infrastructure and other projects that improve the quality of life for residents and businesses.
Jackson Cares: Economic Development Impact
Jackson National Life’s economic development initiatives have made a significant impact on the communities it serves. For example, the company’s partnership with the Lansing Economic Area Partnership (LEAP) has helped create or retain over 1,500 jobs in the Lansing area.
In addition to its local initiatives, Jackson National Life also supports national organizations that promote economic development, such as the U.S. Chamber of Commerce and the National Association of Manufacturers.
Through its unwavering commitment to community engagement, Jackson National Life is making a real difference in the lives of individuals and organizations across the country. The company’s support for education, health and well-being, the arts and culture, economic development, and community involvement is truly making a positive impact on the communities it serves.
Partnering with Nonprofits for Social Impact
Creating Shared Value
Jackson National Life Insurance (“Jackson”) recognizes that its success is inextricably linked to the well-being of the communities it serves. By partnering with nonprofits, Jackson amplifies its impact and generates shared value for all stakeholders.
Shared Purpose and Goals
Jackson’s partnerships with nonprofits are built on a shared purpose and common goals. The company seeks organizations that align with its values of integrity, trust, and customer-centricity.
Financial Support
Jackson provides financial support to nonprofits through grants, sponsorships, and donations. These funds enable organizations to expand their reach, innovate their programs, and create lasting change.
Volunteerism and Employee Engagement
Jackson employees are actively involved in volunteering and other community engagement initiatives. The company encourages and supports employee participation in nonprofit activities, providing opportunities for employees to give back and make a meaningful difference.
Pro Bono Services
Jackson’s employees contribute their professional skills and expertise to nonprofits on a pro bono basis. This pro bono work provides organizations with access to valuable services, such as legal, accounting, and marketing support.
Capacity Building and Technical Assistance
Jackson recognizes that nonprofits often face capacity constraints. The company provides capacity building and technical assistance to help organizations strengthen their operations, improve their fundraising efforts, and enhance their impact.
Measuring Impact
Jackson measures the impact of its partnerships with nonprofits through a rigorous evaluation process. The company tracks key performance indicators, such as the number of individuals served, the reduction in recidivism rates, and the improvement in health outcomes.
45. Examples of Impactful Partnerships
Jackson has partnered with numerous nonprofits to create tangible social impact. Here are a few examples:
| Nonprofit | Partnership Description |
|---|---|
| United Way of Clinton | Jackson provides financial support and employee volunteers to the United Way’s programs, which focus on improving education, income, health, and housing in the community. |
| Boys & Girls Club of Clinton | Jackson sponsors the Boys & Girls Club’s after-school and summer programs, providing opportunities for youth to develop their social, emotional, and cognitive skills. |
| Clinton YWCA | Jackson supports the YWCA’s mission to empower women and eliminate racism, sexism, and poverty through its financial contributions and employee volunteers. |
| Clinton Symphony Orchestra | Jackson sponsors the symphony’s performances, educational outreach programs, and community events, promoting the arts and enriching the cultural landscape of Clinton. |
| Clinton Animal Care and Control | Jackson provides financial support and employee volunteers to the animal shelter, assisting in animal care, adoption, and community outreach programs. |
Legacy of Impact
Jackson’s commitment to partnering with nonprofits has created a lasting legacy of impact in Clinton and beyond. The company’s financial support, volunteerism, and pro bono services have helped nonprofits achieve their missions and make a positive difference in the lives of countless individuals.
Jackson National Life Insurance Clinton Iowa
Jackson National Life Insurance is a leading provider of life insurance and annuities. The company has been in business for over 80 years and has a strong reputation for financial stability and customer service. Jackson National Life Insurance offers a variety of life insurance policies to meet the needs of individuals and families. These policies include term life insurance, whole life insurance, and universal life insurance. Jackson National Life Insurance also offers a variety of annuities to help individuals save for retirement. These annuities include fixed annuities, variable annuities, and indexed annuities.
Jackson National Life Insurance’s Clinton, Iowa, office is located at 2500 North 2nd Street. The office is open Monday through Friday from 8:00 AM to 4:30 PM. The office staff is friendly and knowledgeable and can help you find the right life insurance or annuity policy for your needs.
People Also Ask About Jackson National Life Insurance Clinton Iowa
What are the hours of operation for the Jackson National Life Insurance Clinton, Iowa, office?
The office is open Monday through Friday from 8:00 AM to 4:30 PM.
What is the address of the Jackson National Life Insurance Clinton, Iowa, office?
The office is located at 2500 North 2nd Street, Clinton, Iowa.
What types of life insurance does Jackson National Life Insurance offer?
Jackson National Life Insurance offers a variety of life insurance policies, including term life insurance, whole life insurance, and universal life insurance.
What types of annuities does Jackson National Life Insurance offer?
Jackson National Life Insurance offers a variety of annuities, including fixed annuities, variable annuities, and indexed annuities.