Jackson's 2007 Sales Rise 22% to More Than $14.5 Billion

Jackson National Life Insurance Company® (JacksonSM) generated more than $14.5 billion1 in sales and deposits during 2007, a rise of 22 percent over 2006, due to record sales of variable annuities (VAs) and record deposits from its separately managed accounts (SMA) subsidiary, Curian Capital. Jackson sold more than $9.1 billion in VAs in 2007, a 29-percent increase over the prior year, and Curian’s SMA deposits rose 57 percent over 2006 to more than $1.3 billion. Jackson’s retail sales and deposits, which exclude sales of institutional products, exceeded $12.6 billion1, an increase of 24 percent over the prior year. "Jackson has been able to achieve double-digit sales growth in each of the past four years because we have had the right products in the right channels at the right time,” said Clark Manning, Jackson’s president and chief executive officer. "By tailoring our products and services to the needs of advisers and their Baby Boomer clients, Jackson has established strong positions in advice-based distribution channels, which has allowed us to grow faster than the market.” Jackson, an indirect wholly owned subsidiary of the United Kingdom’s Prudential plc (NYSE: PUK), increased its variable annuity market share to 5.1 percent during the first three quarters of 2007, up from 4.5 percent over the same period in 2006.2 Jackson ranked second in industry VA net flows in the second and third quarters of 2007.3 In the independent broker-dealer channel, Jackson ranked second in VA sales with a market share of 11.1 percent during the first nine months of 2007, up from 10.6 percent during the same period in 2006.2 At the end of September 2007, Jackson ranked 14th in VA assets, having generated the largest year-over-year increase in net assets (38.2 percent) among the top-25 VA issuers.2 "Jackson has earned a reputation for delivering the tools and support that advisers need to serve their clients well and grow their individual practices,” said Clifford Jack, executive vice president and chief distribution officer for Jackson. "Advisers are attracted to Jackson’s unique combination of exceptional, value-added wholesaling; award-winning customer service and marketing support; and innovative, customizable products.” Curian Capital, a registered investment adviser providing fee-based managed accounts and investment products, generated record growth in 2007 due to an expansion of its wholesaling force and the introduction of its innovative Simplified Proposal Process, which dramatically reduced the time required to create a customized client proposal. At December 31, 2007, Curian’s assets under management were nearly $3.5 billion, compared to $2.4 billion at the end of 2006, an increase of 43 percent. In 2007, the interest rate environment in the US continued to restrain sales of fixed annuities. Jackson sold more than $1.1 billion in traditional individual deferred fixed annuities, compared to nearly $1.3 billion in 2006, as industry sales fell 20 percent year over year during the first nine months of 2007.4 Regulatory uncertainty continued to impact the fixed index annuity market – industry sales fell 3 percent year over year in the first three quarters of 2007.5 Jackson’s fixed index annuity sales exceeded $893 million in 2007, versus more than $1.0 billion during the prior year. Life insurance sales rose 12 percent over 2006 to $51 million, boosted by a 39-percent increase in sales of variable life products. Deposits in the Jackson FundsSM, a line of retail mutual funds introduced in 2007, exceeded $120 million. Sales of Jackson’s institutional products, a market in which the company participates on an opportunistic basis, totaled nearly $1.9 billion, up 14 percent over 2006. "As more of the nation’s Baby Boomers retire, the demand for products that can provide guaranteed retirement income streams will continue to grow,” Manning said. "Jackson is prepared to meet this rising demand and, therefore, is well positioned to capitalize on the opportunities in the expanding retirement accumulation and income market.” 1Deposits from retail mutual funds and Jackson’s subsidiary Curian Capital have been included in Jackson’s total and retail sales and deposits figures, beginning with full-year 2007. Prior year comparisons have been restated to include Curian deposits. The retail mutual funds were introduced in January 2007. 2Source: Morningstar Annuity Research Center. Latest industry data available. 3Source: Morningstar Annuity Research Center. Latest industry data available. Net flow rankings have been published for only the second and third quarters of 2007. 4Source: LIMRA. Latest industry data available. 5Source: Advantage Group Associates, Inc. Latest industry data available. Before investing in variable products, investors should carefully consider the investment objectives, risks, charges and expenses of the variable product and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your representative or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money. About Jackson National Life Insurance Company With nearly $80 billion in assets (GAAP unaudited)(a), Jackson National Life Insurance Company (Jackson) is an industry leader in variable, fixed and fixed index annuities. The company also sells life insurance and institutional products. Jackson markets its products in 49 states and the District of Columbia through independent and regional broker-dealers, financial institutions and independent insurance agents. Jackson’s subsidiary, Jackson National Life Insurance Company of New York®, similarly markets variable and fixed annuities in the state of New York. Through its affiliates and subsidiaries, Jackson also provides asset management, retail mutual funds and retail brokerage services. For more information, visit www.jnl.com. (a)Jackson had $79.8 billion in total assets (GAAP unaudited) and $72.2 billion in policy liabilities (GAAP unaudited) set aside to pay primarily future policyowner benefits (as of 6/30/07). Annuities and life insurance are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan). Variable products are distributed by Jackson National Life Distributors LLC. May not be available in all states and state variations may apply. These contracts have limitations and restrictions, including possible withdrawal charges, recapture charges and excess interest adjustments. Contact your representative or the Company for more information. Variable products involve investment risks and may lose value. The long-term advantage of the benefit options will vary with the performance of the variable investment options you select and the length of time you own your annuity. Under certain market conditions, the cost of the options may exceed the actual benefit. All guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company and do not apply to the principal amount or investment performance of the separate account or its underlying investments. The value of the variable product fluctuates with that of the underlying portfolios. Please remember that a Jackson annuity is intended to be a long-term, tax-deferred vehicle for retirement. An annuity's earnings are taxable as ordinary income when withdrawn and, if taken before age 59 1/2, may be subject to a 10% federal tax penalty. Fixed index annuities are issued by Jackson National Life Insurance Company, Home Office: Lansing, Michigan and distributed by Jackson National Life Distributors LLC. Not available in all states and state variations may apply. These products are fixed annuities that do not participate in any stock or equity investments. Limitations and restrictions apply, including possible withdrawal charges and recapture charges. During the withdrawal charge period, the annuity’s cash value may be less than the principal allocation. For costs and complete details, contact the Company. Fixed index annuities may not be suitable for everyone. Mutual funds are distributed by Jackson National Life Distributors LLC. Mutual funds are not guaranteed, involve investment risks and may lose value. Jackson National Life Insurance Company is an indirect subsidiary of Prudential plc, a company incorporated and with its principal place of business in the United Kingdom. Prudential plc and its affiliated companies constitute one of the world's leading financial service groups. It provides insurance and financial services directly and through its subsidiaries and affiliates throughout the world. It has been in existence for over 150 years and had more than $500 billion in assets under management as of June 30, 2007. Prudential plc is not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America. The following cautionary statement is included to make applicable and take advantage of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 for any forward-looking statements made by, or on behalf of, the Company. Forward-looking statements include statements concerning plans, objectives, goals, strategies, future events or performance, and underlying assumptions and other statements which are other than statements of historical facts. However, as with any projection or forecast, forward-looking statements are inherently susceptible to a number of risks and uncertainties and actual results and events could differ materially from those currently being anticipated as reflected in such forward-looking statements. There can be no assurance that management’s expectations, beliefs or projections will result or be achieved or accomplished.