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Jackson National Separate Account - I, et al. – ‘485APOS’ on 4/2/08

On: Wednesday, 4/2/08, at 4:12pm ET · Private-to-Public: Document/Exhibit `¶` – Release Delayed · Accession #: 927730-8-91 · File #s: 333-70472, 811-08664

  As Of                Filer                Filing    For·On·As Docs:Size

 4/02/08  Jackson National Sep Account - I  485APOS¶               6:154K
          → Jackson National Separate Account – I ⇒ Perspective II (Contracts offered for sale before April 30, 2012)

Post-Effective Amendment
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 485APOS     Pii Supplement                                        45±   223K 
 6: CORRESP   ¶ Comment-Response or Other Letter to the SEC            2±     4K 
 3: EX-99       For Life Endorsement 7552                              9     31K 
 4: EX-99       Joint for Life Endorsement 7553                        9     32K 
 2: EX-99       Miscellaneous Exhibit -- gmib_7551                     6     23K 
 5: EX-99       Miscellaneous Exhibit -- legalopinion                  1      7K

‘485APOS’ — Pii Supplement
Document Table of Contents

Page	(sequential)	(alphabetic)	↑Top
		Alternative Formats (Word, et al.) Directors and Officers of the Depositor Exhibits Financial Statements and Exhibits FutureGuard 6 Guaranteed Minimum Income Benefit FutureGuard 6 Guaranteed Minimum Income Benefit Charge Indemnification Persons Controlled by or Under Common Control with the Depositor or Registrant Principal Underwriter
1	1st Page – Filing Submission
3	FutureGuard 6 Guaranteed Minimum Income Benefit Charge
"	FutureGuard 6 Guaranteed Minimum Income Benefit
5	Item 24. Financial Statements and Exhibits
"	Item 24.(b). Exhibits
"	Item 25. Directors and Officers of the Depositor
"	Item 26. Persons Controlled by or Under Common Control with the Depositor or Registrant
"	Item 28. Indemnification
"	Item 29. Principal Underwriter

485APOS 1st “Page” of 5 TOC ↑Top Previous Next ↓Bottom Just 1st
================================================================================

As filed with the Securities and Exchange Commission on April 2, 2008
Commission File Nos. 333-70472
811-08664

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
--------------

FORM N-4
--------------

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

Pre-Effective Amendment No. [ ]

Post-Effective Amendment No. 51 |X|

and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

Amendment No. 155 |X|

--------------
JACKSON NATIONAL SEPARATE ACCOUNT - I
(Exact Name of Registrant)
--------------

JACKSON NATIONAL LIFE INSURANCE COMPANY
(Name of Depositor)

1 Corporate Way, Lansing, Michigan 48951
(Address of Depositor's Principal Executive Offices)

Depositor's Telephone Number, including Area Code: (517) 381-5500

Thomas J. Meyer, Esq.
Senior Vice President, Secretary and General Counsel
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951
(Name and Address of Agent for Service)

Copy to:

Anthony L. Dowling, Esq.
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951

It is proposed that this filing will become effective:

___ immediately upon filing pursuant to paragraph (b)
___ on [date] pursuant to paragraph (b)
_X_ 60 days after filing pursuant to paragraph (a)(1)
___ on [date] pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

___ This post-effective amendment designates a new effective date for a
previously filed post-effective amendment.

Title of Securities Being Registered: the variable portion of Flexible Premium
Fixed and Variable Deferred Annuity contracts.

EXPLANATORY NOTE: This amendment supplements the prospectus. Part C is also
amended as indicated. The amendment does not otherwise delete, amend, or
supersede any other information in the registration statement, as previously
amended, including exhibits and undertakings. Accordingly, Parts A, B and C of
Post-Effective Amendment No. 49, as filed on March 26, 2008 (Accession No.
0000927730-08-000018) are unchanged and hereby incorporated by reference, along
with the 497 filed on April 1, 2008 (Accession No. 0000927730-08-000082).

485APOS 2nd “Page” of 5 TOC 1st Previous Next ↓Bottom Just 2nd
THE INFORMATION IN THIS SUPPLEMENT MAY BE CHANGED. WE MAY NOT SELL BASED ON THIS
SUPPLEMENT UNTIL THE POST-EFFECTIVE AMENDMENT TO THE REGISTRATION STATEMENT,
FILED WITH THE SECURITIES AND EXCHANGE COMMISSION, IS EFFECTIVE. THIS SUPPLEMENT
IS NOT AN OFFER TO SELL, AND IS NOT SOLICITING AN OFFER TO PURCHASE, IN ANY
STATE WHERE THE OFFER OR SALE OF THESE SECURITIES IS NOT PERMITTED.

SUPPLEMENT DATED JUNE 9, 2008
TO THE PROSPECTUS DATED MARCH 31, 2008 FOR

PERSPECTIVE II(R)

ISSUED BY JACKSON NATIONAL LIFE INSURANCE COMPANY(R)
THROUGH JACKSON NATIONAL SEPARATE ACCOUNT - I

THIS SUPPLEMENT UPDATES THE PROSPECTUS. PLEASE READ AND KEEP IT TOGETHER WITH
YOUR COPY OF THE PROSPECTUS FOR FUTURE REFERENCE.

--------------------------------------------------------------------------------

485APOS 3rd “Page” of 5 TOC 1st Previous Next ↓Bottom Just 3rd
*Under FEES AND EXPENSES TABLES, with the fee table entitled "PERIODIC
EXPENSES," the following excerpt, including the footnote, replaces the
corresponding grouping in the prospectus.

--------------------------------------------------------------------------------
GMIB Maximum Annual Charge ("FutureGuard 6SM") (14)........................0.87%
--------------------------------------------------------------------------------

(14) The charge for FutureGuard 6 is expressed as an annual percentage of the
GMIB Benefit Base. The GMIB Benefit Base for FutureGuard 6 is the greater
of (a) or (b), where:

(a) Generally equals the Step-Up Value on the most recent Step-Up Date,
subject to certain adjustments after the most recent Step-Up Date,
compounded at an annual interest rate of 6% until the earlier of the
Annuitant's 80th birthday or the exercise date of this GMIB; and

(b) Generally equals the greatest Contract Value on any Contract
Anniversary prior to the Annuitant's 81st birthday, subject to certain
adjustments after that Contract Anniversary.

At issue, the Step-Up Date is the Issue Date, and the Step-Up Value is
generally equal to the initial Premium paid plus any Contract Enhancement
credited. After issue, the Step-Up Date is the Contract Anniversary on
which the Owner elects to step up to the Contract Value, and the Step-Up
Value is equal to the Contract Value on that Step-Up Date.

For more information about how the endorsement works, including more
details regarding the GMIB Benefit Base, please see "FutureGuard 6
Guaranteed Minimum Income Benefit" beginning on page 225.

For Contracts with this GMIB purchased ON OR AFTER JUNE 9, 2008, the charge
is 0.2125% of the GMIB Benefit Base each calendar quarter (0.85% annually).
For Contracts purchased IN WASHINGTON STATE ON OR AFTER JUNE 9, 2008, you
pay 0.0725% of the GMIB Benefit Base each Contract Month (0.87% annually,
as used in the table).

For Contracts with this GMIB purchased BEFORE JUNE 9, 2008, the charge is
0.20% of the GMIB Benefit Base each calendar quarter (0.80% annually). For
Contracts purchased IN WASHINGTON STATE BEFORE JUNE 9, 2008, you pay 0.07%
of the GMIB Benefit Base each Contract Month (0.84% annually).

We deduct the charge from your Contract Value. Quarterly charges are pro
rata deducted over each applicable Investment Division and the Fixed
Account. IN WASHINGTON STATE, the monthly charges are also pro rata, but
deducted over the applicable Investment Divisions only. For more
information about the charge for this endorsement, please see "FutureGuard
6 Guaranteed Minimum Income Benefit Charge" beginning on page 40.

--------------------------------------------------------------------------------
* Under CONTRACT CHARGES, please replace the subsection entitled "FUTUREGUARD 6
GUARANTEED MINIMUM INCOME BENEFIT WITH ANNUAL STEP-UP CHARGE" with the
following.

FUTUREGUARD 6 GUARANTEED MINIMUM INCOME BENEFIT CHARGE. For Contracts with
this GMIB purchased ON OR AFTER JUNE 9, 2008, the charge is 0.2125% of the
GMIB Benefit Base each calendar quarter (0.85% annually). For Contracts
purchased IN WASHINGTON STATE ON OR AFTER JUNE 9, 2008, you pay 0.0725% of
the GMIB Benefit Base each Contract Month (0.87% annually as used in the
table). For Contracts with this GMIB purchased BEFORE JUNE 9, 2008, the
charge is 0.20% of the GMIB Benefit Base each calendar quarter (0.80%
annually). For Contracts purchased in Washington State BEFORE JUNE 9, 2008,
you pay 0.07% of the GMIB Benefit Base each Contract Month (0.84%
annually).

We deduct the charge from your Contract Value. Quarterly charges are pro
rata deducted over each applicable Investment Division and the Fixed
Account. IN WASHINGTON STATE, monthly charges are also pro rata, but
deducted over the applicable Investment Divisions only. With the Investment
Divisions, we deduct the charge by canceling Accumulation Units rather than
as part of the calculation to determine Accumulation Unit Value. While the
charge is deducted from Contract Value, it is based on the applicable
percentage of the GMIB Benefit Base. The actual deduction of the charge
will be reflected in your quarterly statement. For more information about
the GMIB Benefit Base, please see "FutureGuard 6 Guaranteed Minimum Income
Benefit" beginning on page 225. The charge is prorated, from the
endorsement's effective date, to the end of the first quarter or first
month after selection, as applicable. Similarly, the charge is prorated
upon termination of the endorsement. PLEASE NOTE: THE CHARGE FOR THIS GMIB
WILL BE DEDUCTED EVEN IF YOU NEVER USE THE BENEFIT. ALSO, THIS GMIB ONLY
APPLIES TO CERTAIN OPTIONAL INCOME PAYMENTS.

--------------------------------------------------------------------------------
* Under ACCESS TO YOUR MONEY, with the subsection entitled "FOR LIFE GUARANTEED
MINIMUM WITHDRAWAL BENEFIT WITH BONUS AND ANNUAL STEP-UP ("LIFEGUARD
FREEDOM")," please replace the text box within the BONUS subsection with the
following.

---------------------------------------------------------------------

---------------------------------------------------------------------
The bonus equals 7% and is based on a sum that may vary after this
GMWB is added to the Contract (the "Bonus Base"), as described
immediately below.

* WHEN THIS GMWB IS ADDED TO THE CONTRACT, the Bonus Base
equals the GWB.

* WITH A WITHDRAWAL, if that withdrawal, and all prior
withdrawals in the current Contract Year, exceeds the
greater of the GAWA and the RMD, as applicable, then the
Bonus Base is set to the lesser of the GWB after, and the
Bonus Base before, the withdrawal. Otherwise, there is no
adjustment to the Bonus Base with withdrawals.

* All withdrawals count, including: systematic
withdrawals; RMDs for certain tax-qualified
Contracts; withdrawals of asset allocation and
advisory fees; and free withdrawals under the
Contract.

* A withdrawal in a Contract Year during the Bonus
Period (defined below) precludes a bonus for that
Contract Year.

* WITH A PREMIUM PAYMENT, the Bonus Base increases by the
amount of the premium net of any applicable premium taxes.

* WITH ANY STEP-UP (IF THE GWB INCREASES UPON STEP-UP), the
Bonus Base is set to the greater of the GWB after, and the
Bonus Base before, the Step-Up.

THE BONUS BASE CAN NEVER BE MORE THAN $5 MILLION.

The Bonus is available for a limited time (the "Bonus Period"). If
this GMWB is added to the Contract ON OR AFTER JUNE 9, 2008, the
Bonus Period begins on the effective date of this GMWB endorsement
and will re-start at the time of a Bonus Base Step-Up if the Bonus
Base increases due to the Step-Up and if the Step-Up occurs on or
before the Contract Anniversary immediately following the Owner's (if
Joint Owners, the oldest Owner's) 80th birthday. The Bonus Period
ends on the earlier of:

* The tenth Contract Anniversary following the effective date
of the endorsement or the most recent Bonus Base Step-Up,
if later; or

* The date the Contract Value is zero.

* The Bonus Base will continue to be calculated even
after the Bonus Period expires. Therefore, it is
possible for the Bonus Period to expire and then
re-start at a later date if the Bonus Base
increases due to a Step-Up.

If this GMWB was added to the Contract BEFORE JUNE 9, 2008, the Bonus
Period runs from the date this GMWB is added to the Contract through
the earliest of:

* The tenth Contract Anniversary after the effective date of
the endorsement;

* The Contract Anniversary on or immediately following the
Owner's (if joint Owners, the oldest Owner's) 81st
birthday; or

* The date Contract Value is zero.

Spousal continuation of a Contract with this GMWB does not affect the
Bonus Period; Contract Anniversaries are based on the Contract's
Issue Date.

The bonus is applied at the end of each Contract Year during the
Bonus Period, if there have been no withdrawals during that Contract
Year. Conversely, ANY withdrawal, including but not limited to
systematic withdrawals and required minimum distributions, taken in a
Contract Year during the Bonus Period causes the bonus NOT to be
applied.

When the bonus is applied:

* The GWB is recalculated, increasing by 7% of the Bonus
Base.

* If the Bonus is applied after the first withdrawal, the
GAWA is then recalculated, equaling the greater of the GAWA
percentage multiplied by the new GWB or the GAWA before the
bonus.

Applying the bonus to the GWB does not affect the Bonus Base.
---------------------------------------------------------------------

* Under ACCESS TO YOUR MONEY, with the subsection entitled "JOINT FOR LIFE
GUARANTEED MINIMUM WITHDRAWAL BENEFIT WITH BONUS AND ANNUAL STEP-UP
("LIFEGUARD FREEDOM WITH JOINT OPTION")," please replace the text box within
the BONUS subsection with the following.

* WHEN THIS GMWB IS ADDED TO THE CONTRACT, the Bonus Base
equals the GWB.

* All withdrawals count, including: systematic
withdrawals; RMDs for certain tax-qualified
Contracts; withdrawals of asset allocation and
advisory fees; and free withdrawals under the
Contract.

* A withdrawal in a Contract Year during the Bonus
Period (defined below) precludes a bonus for that
Contract Year.

* WITH A PREMIUM PAYMENT, the Bonus Base increases by the
amount of the premium net of any applicable premium taxes.

* WITH ANY STEP-UP (IF THE GWB INCREASES UPON STEP-UP), the
Bonus Base is set to the greater of the GWB after, and the
Bonus Base before, the Step-Up.

THE BONUS BASE CAN NEVER BE MORE THAN $5 MILLION.

The Bonus is available for a limited time (the "Bonus Period"). If
this GMWB is added to the Contract ON OR AFTER JUNE 9, 2008, the
Bonus Period begins on the effective date of this GMWB endorsement
and will re-start at the time of a Bonus Base Step-Up if the Bonus
Base increases due to the Step-Up and if the Step-Up occurs on or
before the Contract Anniversary immediately following the youngest
Covered Life's 80th birthday. The Bonus Period ends on the earlier
of:

* The tenth Contract Anniversary following the effective date
of the endorsement or the most recent Bonus Base Step-Up,
if later; or

* The date the Contract Value is zero.

If this GMWB was added to the Contract BEFORE JUNE 9, 2008, the Bonus
Period runs from the date this GMWB is added to the Contract through
the earliest of:

* The tenth Contract Anniversary after the effective date of
the endorsement;

* The Contract Anniversary on or immediately following the
youngest Covered Life's 81st birthday; or

* The date Contract Value is zero.

Spousal continuation of a Contract with this GMWB does not affect the
Bonus Period; Contract Anniversaries are based on the Contract's
Issue Date.

When the bonus is applied:

* The GWB is recalculated, increasing by 7% of the Bonus
Base.

* If the Bonus is applied after the first withdrawal, the
GAWA is then recalculated, equaling the greater of the GAWA
percentage multiplied by the new GWB or the GAWA before the
bonus.

Applying the bonus to the GWB does not affect the Bonus Base.
---------------------------------------------------------------------

--------------------------------------------------------------------------------
* Under INCOME PAYMENTS (THE INCOME PHASE), please replace the subsection
entitled "FUTUREGUARD 6 GUARANTEED MINIMUM INCOME BENEFIT" in its entirety
with the following.

FUTUREGUARD 6 GUARANTEED MINIMUM INCOME BENEFIT. This Guaranteed
Minimum Income Benefit may be appropriate for those investors who are
looking for a guaranteed level of income now or in the future. The
benefit is designed to provide a guaranteed minimum level of future
income regardless of the investment performance of the underlying
investment options. The benefit requires annuitization to provide
guaranteed income in the future. For those investors who are wishing to
have current income, this benefit allows them to withdraw a minimum
amount and still have guaranteed income in the future. THE FOLLOWING
DESCRIPTION OF THIS GUARANTEED MINIMUM INCOME BENEFIT IS SUPPLEMENTED
BY THE EXAMPLES IN APPENDIX G.

This optional GMIB endorsement guarantees a minimum fixed income
benefit (under certain life contingent options) after a period of at
least 10 Contract Years, subject to specific conditions, regardless of
the Allocation Option(s) you select during the accumulation phase. The
guarantee is different depending on when you purchased a Contract.

This benefit is only available if:

* you elect it prior to your Contract's Issue Date;

* the Annuitant is not older than age 75 on the Issue Date;
and

* you exercise it on or within 30 calendar days of any
Contract Anniversary that is at least 10 years later than
the most recent "Step-Up Date" (described below) but in
no event later than the 30 calendar day period following
the Contract Anniversary immediately following the
Annuitant's 85th birthday.

This GMIB will terminate and will not be payable at the earliest of:

* the Income Date (if prior to the effective date of this
GMIB);

* the 31st calendar day following the Contract Anniversary
immediately after the Annuitant's 85th birthday;

* the date you make a total withdrawal from the Contract;

* upon your death (unless your spouse is your Beneficiary,
elects to continue the Contract and is eligible for this
benefit); or

* if the Owner is not a natural person, upon the death of
the Annuitant.

This GMIB can only be elected at the time you purchase your Contract.
Once elected, this GMIB cannot be terminated in any way other than
described above while your Contract is in force.

You have the option of taking this GMIB instead of the other income
options described above. Your monthly income option payments will be
calculated by applying the "GMIB Benefit Base" (described below) to the
annuity rates in the table of guaranteed purchase rates attached to
this GMIB endorsement. The only types of income payments available
under this GMIB are life contingent fixed annuity income payments. The
fixed annuity payment income options currently available are:

OPTION 1 - Life Income,

OPTION 2 - Joint and Survivor,

OPTION 3 - Life Annuity with 120 Monthly Periods Guaranteed, and

OPTION 4 - Joint and Survivor Life Annuity with 120 Monthly Periods
Guaranteed.

No other income options will be available, and no partial
annuitizations will be allowed.

After any Contract Anniversary that is at least 10 years later than the
most recent "Step-Up Date" (described below), the Contract Owner must
exercise this option prior to the Income Date. This GMIB may not be
appropriate for Owners who will be subject to any minimum distribution
requirements under an IRA or other qualified plan prior to the
expiration of 10 Contract Years. Please consult a tax advisor on this
and other matters of selecting income options.

This GMIB only applies to the determination of income payments under
the income options specified above. It is not a guarantee of Contract
Value or performance. This benefit does not enhance the amounts paid in
any withdrawals or death benefits.

Both the amount of this GMIB and the quarterly charge for this GMIB
(described above in the Charges section) are based upon an amount
called the "GMIB Benefit Base." The GMIB Benefit Base for this GMIB is
the GREATER OF (A) OR (B), WHERE:

(A) IS THE ROLL-UP COMPONENT WHICH IS EQUAL TO:

* the Step-Up Value on the most recent Step-Up Date; PLUS

* any premiums you have paid (net of any applicable premium
taxes) subsequent to that Step-Up Date; PLUS

* any Contract Enhancements (which are credited only in the
first Contract Year) subsequent to the Step-Up Date;
MINUS

* an adjustment (described below) for any withdrawals
(including any applicable charges and Excess Interest
Adjustments to those withdrawals) subsequent to that
Step-Up Date;

compounded at an annual interest rate of 6% from the most recent
Step-Up Date until the earlier of the Annuitant's 80th birthday or the
exercise date of this GMIB.

At issue, the Step-Up Date is equal to the Issue Date, and the Step-Up
Value is equal to the initial Premium paid (net of any applicable
premium taxes and Sales Charges) plus any Contract Enhancement
credited. After issue, the Step-Up Date is equal to the Contract
Anniversary on which the Owner elects to step up the Roll-Up Component
to the Contract Value, and the Step-Up Value is equal to the Contract
Value on that Step-Up Date.

Electing to step-up the Roll-Up Component is optional; however,
ELECTING TO STEP-UP MEANS THAT YOU CANNOT ANNUITIZE UNDER THIS GMIB FOR
ANOTHER 10 YEARS (FROM THE NEWLY DETERMINED STEP-UP DATE). A written
request for step-up must be received in Good Order by the Service
Center within 30 days prior to the Contract Anniversary. (An Owner may
also elect to have step-ups occur automatically, subject to certain
limitations. Please contact us at our Annuity Service Center for more
information. Our contact information is on the first page of the
prospectus.) The latest available Step-Up Date will be the Contract
Anniversary on or immediately following the Annuitant's 75th birthday.

All adjustments for Premiums and Contract Enhancements are made on the
date of the Premium payment. All withdrawal adjustments are made at the
end of the Contract Year and on the exercise date of this GMIB. For
total withdrawals up to 6% of the Roll-Up Component as of the previous
Contract Anniversary, the withdrawal adjustment is the dollar amount of
the withdrawal (including any applicable charges and adjustments to
such withdrawal). After processing any applicable dollar for dollar
portion of the withdrawal, the withdrawal adjustment for total
withdrawals in a Contract Year in excess of 6% of the Roll-Up Component
as of the previous Contract Anniversary is the Roll-Up Component
immediately prior to the excess withdrawal multiplied by the percentage
reduction in the Contract Value attributable to the excess withdrawal
(including any applicable charges and adjustments to such excess
withdrawal). In calculating the withdrawal adjustment, the Issue Date
is considered a Contract Anniversary. Generally, the larger the
withdrawal, the greater the impact on the GMIB Benefit Base. Please
note also that when the Contract Value is greater than the Roll-Up
Component, dollar for dollar withdrawals would result in a larger
withdrawal adjustment than would proportional withdrawals. However, all
withdrawals will be processed as described above, regardless of the
level of the Contract Value.

AND (B) IS THE GREATEST CONTRACT ANNIVERSARY VALUE COMPONENT AND IS
EQUAL TO:

* the greatest Contract Value on any Contract Anniversary
prior to the Annuitant's 81st birthday; MINUS

* an adjustment (described below) for any withdrawals after
that Contract Anniversary (including any applicable
charges and Excess Interest Adjustments for those
withdrawals); PLUS

* any premiums paid (net of any applicable premium taxes)
after that Contract Anniversary; MINUS

* any taxes deducted after that Contract Anniversary.

All of the applicable listed events and their adjustments are made on
the date of the transaction. The withdrawal adjustment is the Greatest
Contract Anniversary Value Component immediately prior to the
withdrawal multiplied by the percentage reduction in the Contract Value
attributable to the withdrawal (including any applicable charges and
adjustments for such withdrawals).

For Contracts issued BEFORE JUNE 9, 2008, neither component of the GMIB
Benefit Base will ever exceed the cap of:

* 300% of premiums paid (net of any applicable premium
taxes and excluding premiums paid in the 12 months prior
to the date this GMIB is exercised); MINUS

* any withdrawals (including related charges and
adjustments) deducted since the issuance of the Contract.

For Contracts issued ON OR AFTER JUNE 9, 2008, there is no cap on
either component of the GMIB Benefit Base.

If the Contract Value falls to zero while this GMIB is in effect, then:

* Annuitization under this GMIB will be automatically
exercised IF, in each Contract Year since the Issue Date,
all withdrawals taken during the Contract Year have
either been verified to be RMDs or, in total (including
any applicable charges and adjustments), have not
exceeded 6% of the Roll-Up Component as of the previous
Contract Anniversary.

* A notice of the annuitization will be sent to the
Owner within 10 calendar days, and the Owner will
have 30 days from the date the Contract Value falls
to zero to choose an income option and a payment
frequency. The Contract will remain active during
this 30-day period. If no choice is made by the end
of the 30-day period, the Owner will receive
monthly payments based on a life annuity with 10
years certain (joint life annuity with 10 years
certain if Joint Annuitants).

* OTHERWISE, the GMIB terminates without value.

If you are the Annuitant under your Contract and your spouse continues
the Contract after your death, your spouse will become the Annuitant
and will continue to be eligible for this GMIB as long as he or she
would have been eligible as an Annuitant when your Contract was issued
and is age 84 or younger. If your spouse does not satisfy those
criteria, then this GMIB will terminate and the charge for this GMIB
will be discontinued. Similarly, if an Owner who is a natural person is
not the Annuitant and the Annuitant dies, you (the Owner) may select a
new Annuitant (who must be a person eligible to be an Annuitant on the
Issue Date and is age 84 or younger). If the new Annuitant in that
situation does not satisfy those criteria then this GMIB will terminate
and the GMIB charge discontinued. In the event of joint Annuitants, the
age of the youngest Annuitant will be used for all these
determinations. Changing an Annuitant or selecting a new Annuitant
while the current Annuitant is still living is not allowed.

Among other requirements applicable to Contracts issued to
entities/Owners, the use of multiple Contracts by related entities to
avoid maximum premium limits is not permitted. Selection of this GMIB,
with multiple Contracts or otherwise, is subject to our administrative
rules designed to assure its appropriate use. We may update these rules
as necessary.

YOU MAY NOT ELECT BOTH A GMIB AND A GMWB, AND YOU MAY NOT ELECT TO ADD
A GMWB AFTER THE ISSUE DATE TO A CONTRACT WITH A GMIB. YOU MAY ALSO NOT
ELECT BOTH A GMIB AND GMAB.

--------------------------------------------------------------------------------
* Under APPENDIX G (FUTUREGUARD 6 GMIB PROSPECTUS EXAMPLES), please replace the
entire appendix with the following.

485APOS 4th “Page” of 5 TOC 1st Previous Next ↓Bottom Just 4th
FUTUREGUARD 6 GMIB PROSPECTUS EXAMPLES

The following examples assume that you elected the FutureGuard 6 GMIB when you
purchased your Contract and no other optional benefits were elected.

EXAMPLE 1: AT ISSUE, ALL GMIB VALUES ARE INITIALIZED.

If your Contract is issued with a $100,000 initial premium payment (net of
any applicable premium taxes and sales charges):

- The Step-Up Date is equal to the Issue Date.

- The Step-Up Value is equal to $100,000, which is your initial
premium payment.

- Your Roll-Up Component is equal to $100,000, which is the Step-Up
Value.

- Your Greatest Contract Anniversary Value (GCAV) Component is equal
to $100,000, which is your initial premium payment.

- Your GMIB Benefit Base is equal to $100,000, which is the greater of
the Roll-Up Component and the GCAV Component.

- The earliest date that you may elect to exercise the GMIB is on the
10th Contract Anniversary, which is 10 years from the most recent
Step-Up Date.

EXAMPLE 2: UPON PAYMENT OF A SUBSEQUENT PREMIUM, YOUR ROLL-UP COMPONENT, GCAV
COMPONENT, AND GMIB BENEFIT BASE ARE RE-DETERMINED.

If you make an additional premium payment of $50,000 (net of any applicable
premium taxes and sales charges) and your Roll-Up Component is equal to
$180,000, your GCAV Component is equal to $160,000, and your GMIB Benefit
Base is equal to $180,000 at the time of payment:

- The Step-Up Date does not change. - The Step-Up Value does not
change.

- Your Roll-Up Component is equal to $230,000, which is the Roll-Up
Component prior to the premium payment plus the premium payment.

- Your GCAV Component is equal to $210,000, which is the GCAV
Component prior to the premium payment plus the premium payment.

- Your GMIB Benefit Base is equal to $230,000, which is the greater of
the Roll-Up Component and the GCAV Component.

- The earliest date that you may elect to exercise the GMIB does not
change.

EXAMPLE 3: UPON A PARTIAL WITHDRAWAL, YOUR ROLL-UP COMPONENT, GCAV COMPONENT,
AND GMIB BENEFIT BASE ARE RE-DETERMINED.

If you request a single partial withdrawal of $30,000 (including any
applicable charges and adjustments), no other partial withdrawals are made
during the Contract Year, and your Contract Value is equal to $120,000,
your Roll-Up Component on the previous Contract Anniversary is equal to
$125,000, your GCAV Component is equal to $132,000, and your GMIB Benefit
Base is equal to $132,000 at the time of the withdrawal:

- The Step-Up Date does not change. - The Step-Up Value does not
change.

- Your Roll-Up Component will not be adjusted until the end of the
Contract Year (assuming that the GMIB is not exercised before then),
at which point it will be equal to: - The Roll-Up Component on the
previous Contract Anniversary accumulated at 6% ($125,000 x 1.06 =
$132,500),

- Less the portion of total withdrawals in the Contract Year that
are less than or equal to 6% of the Roll-Up Component on the
previous Contract Anniversary (0.06 x $125,000 = $7,500);

- Multiplied by the percentage reduction in Contract Value
attributable to total withdrawals in the Contract Year in excess
of 6% of the Roll-Up Component on the previous Contract
Anniversary (1 - [$30,000 - $7,500]/[$120,000 - $7,500] = 0.8).

- Your Roll-Up Component is equal to [$132,500 - $7,500] x 0.8 =
$100,000. - Your GCAV Component is adjusted at the time of the
partial withdrawal, at which point it will be equal to $99,000,
which is the GCAV Component prior to the partial withdrawal
multiplied by the percentage reduction in the Contract Value
attributable to the withdrawal (1 - $30,000/$120,000 = 0.75).

- Your GMIB Benefit Base at the end of the Contract Year is equal to
$100,000, which is the greater of the Roll-Up Component and the GCAV
Component.

- The earliest date that you may elect to exercise the GMIB does not
change.

EXAMPLE 4: ON EACH CONTRACT ANNIVERSARY PRIOR TO THE ANNUITANT'S 75TH BIRTHDAY,
YOU MAY ELECT TO STEP UP YOUR ROLL-UP COMPONENT TO THE CONTRACT VALUE, IN WHICH
CASE THE STEP-UP DATE, STEP-UP VALUE, EARLIEST DATE THAT YOU MAY ELECT TO
EXERCISE THE GMIB, AND YOUR ROLL-UP COMPONENT WILL BE RE-DETERMINED. IN
ADDITION, ON EACH CONTRACT ANNIVERSARY PRIOR TO THE ANNUITANT'S 81ST BIRTHDAY,
YOUR CONTRACT VALUE IS COMPARED TO THE CONTRACT VALUES ON ALL PREVIOUS CONTRACT
ANNIVERSARIES, WHICH MAY RE-DETERMINE THE GCAV COMPONENT.

Example 4a: If your Contract Value is equal to $120,000, the greatest
Contract Value on any previous Contract Anniversary is $100,000, your
Roll-Up Component is equal to $106,000, and you elect to step up your
Roll-Up Component to the Contract Value:

- The Step-Up Date is equal to the date of the current Contract
Anniversary. - The Step-Up Value is equal to $120,000, which is the
Contract Value on the Step-Up Date. - Your Roll-Up Component is equal
to $120,000, which is the Step-Up Value. - Your GCAV Component is
equal to $120,000, which is the greatest Contract Value on any
Contract Anniversary.

- Your GMIB Benefit Base is equal to $120,000, which is the greater of
the Roll-Up Component and the GCAV Component.

- You may not elect to exercise your GMIB for 10 years.

Example 4b: If your Contract Value is equal to $130,000, the greatest
Contract Value on any previous Contract Anniversary is $150,000 but your
GCAV Component has been reduced by a subsequent withdrawal to $120,000,
your Roll-Up Component is equal to $140,000, and your GMIB Benefit Base is
$140,000:

- The Step-Up Date does not change because the Contract Value is less
than the Roll-Up Component, which means that step up is not available.

- The Step-Up Value does not change because step up did not occur.

- Your Roll-Up Component does not change because step up did not
occur.

- Your GCAV Component does not change because the Contract Value on
the current Contract Anniversary is not the greatest Contract Value on
any Contract Anniversary.

- The GMIB Benefit Base does not change because neither the Roll-Up
Component nor the GCAV Component changed.

- The earliest date that you may elect to exercise the GMIB does not
change because step up did not occur.

EXAMPLE 5: IF YOUR CONTRACT VALUE FALLS TO ZERO AND YOUR GMIB BENEFIT BASE IS
GREATER THAN ZERO, THEN ALL WITHDRAWALS TAKEN FROM THE CONTRACT WILL BE EXAMINED
IN ORDER TO DETERMINE THE ELIGIBILITY OF THE GMIB BENEFIT BASE FOR AUTOMATIC
ANNUITIZATION.

Example 5a: If your Contract Value is equal to $0, your GMIB Benefit Base
is $10,000, and all withdrawals from the Contract have been Required
Minimum Distributions:

- Your GMIB Benefit Base is eligible for automatic annuitization.

- Unless you choose another payment option, $10,000 will be applied to
purchase a Life Annuity with 120 Monthly Periods Guaranteed (a Joint
and Survivor Life Annuity with 120 Monthly Periods Guaranteed if there
are Joint Annuitants) using the Guaranteed Annuity Purchase Rates
defined in the GMIB.

- Unless you choose another payment frequency, you will receive
monthly income payments.

- The GMIB and the Contract will terminate.

Example 5b: If your Contract Value is equal to $0, your GMIB Benefit Base
is $10,000, and total withdrawals from the Contract for each individual
Contract Year have been less than or equal to 6% of the Roll-Up Component
on the previous Contract Anniversary:

- Your GMIB Benefit Base is eligible for automatic annuitization.

- Unless you choose another payment frequency, you will receive
monthly income payments.

- The GMIB and the Contract will terminate.

Example 5c: If your Contract Value is equal to $0, your GMIB Benefit Base
is $10,000, and, in one Contract Year, a withdrawal was taken that was not
a Required Minimum Distribution and total withdrawals for that Contract
Year exceed 6% of the Roll-Up Component on the previous Contract
Anniversary:

- The GMIB and the Contract will terminate because your GMIB Benefit
Base is not eligible for automatic annuitization.

--------------------------------------------------------------------------------

(To be used with VC4224 Rev. 03/08)

V---- 06/08

485APOS Last “Page” of 5 TOC 1st Previous Next ↓Bottom Just 5th
PART C. OTHER INFORMATION

Item 24. Financial Statements and Exhibits

(a) Financial Statements:

(1) Financial statements and schedules included in Part A:

Not Applicable

(2) Financial statements and schedules included in Part B -

Jackson National Separate Account - I:
[TO BE INCORPORATED BY POST-EFFECTIVE AMENDMENT]

Jackson National Life Insurance Company:
[TO BE INCORPORATED BY POST-EFFECTIVE AMENDMENT]

Item 24.(b) Exhibits

Exhibit Description
No.

1. Resolution of Depositor's Board of Directors authorizing the
establishment of the Registrant, incorporated by reference to the
Registrant's Post-Effective Amendment No. 9 filed on April 21, 1999
(File Nos. 033-82080 and 811-08664).

2. Not Applicable

3.a. General Distributor Agreement dated May 24, 1995, incorporated by
reference to the Registrant's Post-Effective Amendment No. 3 filed
on April 30, 1996 (File Nos. 033-82080 and 811-08664).

b. General Distributor Agreement dated June 30, 1998, incorporated by
reference to the Registrant's Post-Effective Amendment No. 11 filed
on July 21, 2004 (File Nos. 333-70472 and 811-08664).

c. Amended and Restated General Distributor Agreement dated October
25, 2005, incorporated by reference to the Registrant's
Post-Effective Amendment No. 21 filed on December 29, 2005 (File
Nos. 333-70472 and 811-08664).

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

4.a. Specimen of the Perspective II Fixed and Variable Annuity Contract,
incorporated by reference to the Registrant's Registration
Statement filed on September 28, 2001 (File Nos. 333-70472 and
811-08664).

b. Specimen of Tax Sheltered Annuity Endorsement, incorporated by
reference to the Registrant's Pre-Effective Amendment No. 1 filed
on December 19, 2001 (File Nos. 333-70472 and 811-08664).

c. Specimen of Retirement Plan Endorsement, incorporated by reference
to the Registrant's Pre-Effective Amendment No. 1 filed on December
19, 2001 (File Nos. 333-70472 and 811-08664).

d. Specimen of Individual Retirement Annuity Endorsement, incorporated
by reference to the Registrant's Pre-Effective Amendment No. 1
filed on December 19, 2001 (File Nos. 333-70472 and 811-08664).

e. Specimen of Roth IRA Endorsement, incorporated by reference to the
Registrant's Pre-Effective Amendment No. 1 filed on December 19,
2001 (File Nos. 333-70472 and 811-08664).

f. Specimen of Earnings Protection Benefit Endorsement, incorporated
by reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-08664).

g. Specimen of 5% Compounded Death Benefit Endorsement, incorporated
by reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-08664).

h. Specimen of Combination Death Benefit Endorsement, incorporated by
reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-08664).

i. Specimen of Maximum Anniversary Value Death Benefit Endorsement,
incorporated by reference to the Registrant's Registration
Statement filed on September 28, 2001 (File Nos. 333-70472 and
811-08664).

j. Specimen of 20% Additional Free Withdrawal Benefit Endorsement,
incorporated by reference to the Registrant's Registration
Statement filed on September 28, 2001 (File Nos. 333-70472 and
811-08664).

k. Specimen of Five-Year Withdrawal Charge Schedule Endorsement,
incorporated by reference to the Registrant's Registration
Statement filed on September 28, 2001 (File Nos. 333-70472 and
811-08664).

l. Specimen of 2% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-08664).

m. Specimen of 3% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-8664).

n. Specimen of 4% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-08664).

o. Specimen of 5% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Registration Statement filed on
September 28, 2001 (File Nos. 333-70472 and 811-08664).

p. Specimen of Guaranteed Minimum Income Benefit Endorsement,
incorporated by reference to the Registrant's Registration
Statement filed on September 28, 2001 (File Nos. 333-70472 and
811-08664).

q. Specimen of Preselected Death Benefit Option Election Endorsement,
incorporated by reference to the Registrant's Pre-Effective
Amendment No. 1 filed on December 19, 2001 (File Nos. 333-70472 and
811-08664).

r. Specimen of Reduced Administration Charge Endorsement, incorporated
by reference to the Registrant's Post-Effective Amendment No. 1
filed on April 29, 2002 (File Nos. 333-70472 and 811-08664).

s. Specimen of 2% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 1 filed
on April 29, 2002 (File Nos. 333-70472 and 811-08664).

t. Specimen of 3% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 1 filed
on April 29, 2002 (File Nos. 333-70472 and 811-08664).

u. Specimen of 4% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 1 filed
on April 29, 2002 (File Nos. 333-70472 and 811-08664).

v. Specimen of Guaranteed Minimum Withdrawal Benefit endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 4 filed on November 1, 2002 (File Nos. 333-70472 and
811-08664).

w. Specimen of Fixed Account Options Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 4 filed
on November 1, 2002 (File Nos. 333-70472 and 811-08664).

x. Specimen of Maximum Anniversary Value Death Benefit Endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 6 filed on June 11, 2003 (File Nos. 333-70472 and
811-08664).

y. Specimen of 5% Compounded Death Benefit Endorsement, incorporated
by reference to the Registrant's Post-Effective Amendment No. 6
filed on June 11, 2003 (File Nos. 333-70472 and 811-8664).

z. Specimen of Combination Death Benefit Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 6 filed
on June 11, 2003 (File Nos. 333-70472 and 811-08664).

aa. Specimen of 4% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 6 filed
on June 11, 2003 (File Nos. 333-70472 and 811-08664).

bb. Specimen of 3% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 6 filed
on June 11, 2003 (File Nos. 333-70472 and 811-8664).

cc. Specimen of 2% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 6 filed
on June 11, 2003 (File Nos. 333-70472 and 811-08664).

dd. Specimen of 4% Compounded Death Benefit Endorsement, incorporated
by reference to the Registrant's Post-Effective Amendment No. 6
filed on June 11, 2003 (File Nos. 333-70472 and 811-08664).

ee. Specimen of Combination Death Benefit Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 6 filed
on June 11, 2003 (File Nos. 333-70472 and 811-08664).

ff. Specimen of 3 Year Withdrawal Charge Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 6 filed
on June 11, 2003 (File Nos. 333-70472 and 811-08664).

gg. Specimen of Guaranteed Minimum Income Benefit Endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 9 filed on February 27, 2004 (File Nos. 333-70472 and
811-08664).

hh. Specimen of the Perspective II Fixed and Variable Annuity contract,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 9 filed on February 27, 2004 (File Nos. 333-70472 and
811-08664).

ii. Specimen of the Perspective II Fixed and Variable Annuity contract,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 11 filed on July 21, 2004 (File Nos. 333-70472 and
811-08664).

jj. Specimen of 5% for Life Guaranteed Minimum Withdrawal Benefit
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 11 filed on July 21, 2004 (File Nos.
333-70472 and 811-08664).

kk. Specimen of 4% for Life Guaranteed Minimum Withdrawal Benefit
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 11 filed on July 21, 2004 (File Nos.
333-70472 and 811-08664).

ll. Specimen of Guaranteed Minimum Income Benefit Endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 11 filed on July 21, 2004 (File Nos. 333-70472 and
811-08664).

mm. Specimen of 4% Roll-Up Death Benefit Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 11 filed
on July 21, 2004 (File Nos. 333-70472 and 811-08664).

nn. Specimen of Combination 4% Roll-up and Highest Anniversary Value
Death Benefit Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 11 filed on July 21, 2004
(File Nos. 333-70472 and 811-08664).

oo. Specimen of 5% Roll-Up Death Benefit Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 11 filed
on July 21, 2004 (File Nos. 333-70472 and 811-08664).

pp. Specimen of Combination 5% Roll-up and Highest Anniversary Value
Death Benefit Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 11 filed on July 21, 2004
(File Nos. 333-70472 and 811-08664).

qq. Specimen of Highest Anniversary Value Death Benefit, incorporated
by reference to the Registrant's Post-Effective Amendment No. 11
filed on July 21, 2004 (File Nos. 333-70472 and 811-08664).

rr. Specimen of 5 Year Withdrawal Charge Schedule, incorporated by
reference to the Registrant's Post-Effective Amendment No. 11 filed
on July 21, 2004 (File Nos. 333-70472 and 811-08664).

ss. Specimen of 3 Year Withdrawal Charge Schedule, incorporated by
reference to the Registrant's Post-Effective Amendment No. 11 filed
on July 21, 2004 (File Nos. 333-70472 and 811-08664).

tt. Specimen of Individual Retirement Annuity Endorsement, incorporated
by reference to the Registrant's Registration Statement filed on
August 19, 2004 (File Nos. 333-118368 and 811-08664).

uu. Specimen of Roth IRA Endorsement, incorporated by reference to the
Registrant's Registration Statement filed on August 19, 2004 (File
Nos. 333-118368 and 811-08664).

vv. Specimen of Charitable Remainder Trust Endorsement, incorporated by
reference to the Registrant's Pre-Effective Amendment filed on
December 23, 2004 (File Nos. 333-11368 and 811-08664).

ww. Specimen of 5% for Life Guaranteed Minimum Withdrawal Benefit
Endorsement, incorporated by reference to the Registrant's
Registration Statement filed on December 30, 2004 (File Nos.
333-121777 and 811-08664).

xx. Specimen of Guaranteed Minimum Withdrawal Benefit Endorsement,
incorporated by reference to the Registrant's Pre-Effective
Amendment filed on December 30, 2004 (File Nos. 333-119656 and
811-08664).

yy. Specimen of 5% Guaranteed Minimum Withdrawal Benefit With Annual
Step-up Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 17 filed on June 20, 2005 (File Nos.
333-70472 and 811-08664).

zz. Specimen of 5% Guaranteed Minimum Withdrawal Benefit Endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 17 filed on June 20, 2005 (File Nos. 333-70472 and
811-08664).

aaa. Specimen of 5% for Life Guaranteed Minimum Withdrawal Benefit
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 19 filed on October 20, 2005 (File
Nos. 333-70472 and 811-08664).

bbb. Specimen of 4% for Life Guaranteed Minimum Withdrawal Benefit
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 19 filed on October 20, 2005 (File
Nos. 333-70472 and 811-08664).

ccc. Specimen of Guaranteed Minimum Withdrawal Benefit Endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 19 filed on October 20, 2005 (File Nos. 333-70472 and
811-08664).

ddd. Specimen of 5% For Life Guaranteed Minimum Withdrawal Benefit with
Annual Step-Up, incorporated by reference to the Registrant's
Post-Effective Amendment No. 24 filed on January 31, 2006 (File
Nos. 333-70472 and 811-08664).

eee. Specimen of 5% For Life Guaranteed Minimum Withdrawal Benefit with
Bonus and Annual Step-Up, incorporated by reference to the
Registrant's Post-Effective Amendment No. 24 filed on January 31,
2006 (File Nos. 333-70472 and 811-08664).

fff. Specimen of 5% For Life Guaranteed Minimum Withdrawal Benefit with
Bonus and 5-Year Step-Up, incorporated by reference to the
Registrant's Post-Effective Amendment No. 24 filed on January 31,
2006 (File Nos. 333-70472 and 811-08664).

ggg. Specimen of Joint 5% For Life Guaranteed Minimum Withdrawal Benefit
with Annual Step-Up, incorporated by reference to the Registrant's
Post-Effective Amendment No. 24 filed on January 31, 2006 (File
Nos. 333-70472 and 811-08664).

hhh. Specimen of Joint 5% For Life Guaranteed Minimum Withdrawal Benefit
with Bonus and 5-Year Step-Up, incorporated by reference to the
Registrant's Post-Effective Amendment No. 24 filed on January 31,
2006 (File Nos. 333-70472 and 811-08664).

iii. Specimen of 5% Contract Enhancement Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 26 filed
on June 23, 2006 (File Nos. 333-70472 and 811-08664).

jjj. Specimen of Joint 5% For Life Guaranteed Minimum Withdrawal Benefit
with Annual Step-Up, incorporated by reference to the Registrant's
Post-Effective Amendment No. 26 filed on June 23, 2006 (File Nos.
333-70472 and 811-08664).

kkk. Specimen of Joint 5% For Life Guaranteed Minimum Withdrawal Benefit
with Bonus and 5-Year Step-Up, incorporated by reference to the
Registrant's Post-Effective Amendment No. 26 filed on June 23,
2006 (File Nos. 333-70472 and 811-08664).

lll. Specimen of 4% Roll-Up Death Benefit Endorsement, incorporated by
reference to the Registrant's Registration Statement filed
on September 30, 2004 (File Nos. 333-119427 and 811-08664).

mmm. Specimen of Combination 4% Roll-up and Highest Anniversary Value
Death Benefit Endorsement, incorporated by reference to the
Registrant's Registration Statement filed on September 30, 2004
(File Nos. 333-119427 and 811-08664).

nnn. Specimen of Highest Anniversary Value Death Benefit, incorporated
by reference to the Registrant's Registration Statement filed on
August 10, 2006 (File Nos. 333-136472 and 811-08664).

ooo. Specimen of the Combination 5% Roll-Up and Highest Anniversary
Value Death Benefit Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 32 filed on December 21,
2006 (File Nos. 333-70472 and 811-08664).

ppp. Specimen of the 5% For Life Guaranteed Minimum Withdrawal Benefit
With Bonus and Annual Step-up Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 34 filed
on February 2, 2007 (File Nos. 333-70472 and 811-08664).

qqq. Specimen of the 6% Guaranteed Minimum Withdrawal Benefit With
Annual Step-up Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 34 filed on February 2,
2007 (File Nos. 333-70472 and 811-08664).

rrr. Specimen of the For Life Guaranteed Minimum Withdrawal Benefit
With Annual Step-Up Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 34 filed on February 2,
2007 (File Nos. 333-70472 and 811-08664).

sss. Specimen of the Joint For Life Guaranteed Minimum Withdrawal
Benefit With Annual Step-Up Endorsement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 34 filed
on February 2, 2007 (File Nos. 333-70472 and 811-08664).

ttt. Specimen of the Guaranteed Minimum Accumulation Benefit
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 34 filed on February 2, 2007
(File Nos. 333-70472 and 811-08664).

uuu. Specimen of 5% Guaranteed Minimum Withdrawal Benefit With Annual
Step-Up Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 34 filed on February 2, 2007
(File Nos. 333-70472 and 811-08664).

vvv. Specimen of the 5% Guaranteed Minimum Withdrawal Benefit
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 34 filed on February 2, 2007
(File Nos. 333-70472 and 811-08664).

www. Specimen of the 7% Guaranteed Minimum Withdrawal Benefit With
5 Year Step-Up Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 34 filed on
February 2, 2007 (File Nos. 333-70472 and 811-08664).

xxx. Specimen of Guaranteed Minimum Income Benefit Endorsement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 41 filed on August 23, 2007 (File Nos. 333-70472
and 811-08664).

yyy. Specimen of 5% Guaranteed Minimum Withdrawal Benefit With Annual
Step-Up Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 41 filed on August 23, 2007 (File Nos.
333-70472 and 811-08664).

zzz. Specimen of 6% Guaranteed Minimum Withdrawal Benefit With Annual
Step-up Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 41 filed on August 23, 2007 (File Nos.
333-70472 and 811-08664).

aaaa. Specimen of 5% For Life Guaranteed Minimum Withdrawal Benefit With
Bonus and Annual Step-Up Endorsement, incorporated by reference to
the Registrant's Post-Effective Amendment No. 41 filed on
August 23, 2006 (File Nos. 333-70472 and 811-08664).

bbbb. Specimen of For Life Guaranteed Minimum Withdrawal Benefit With
Annual Step-Up Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 41 filed on August 23,
2007 (File Nos. 333-70472 and 811-08664).

cccc. Specimen of Joint For Life Guaranteed Minimum Withdrawal Benefit
With Annual Step-Up Endorsement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 41 filed on August 23,
2007 (File Nos. 333-70472 and 811-08664).

dddd. Specimen of For Life Guaranteed Minimum Withdrawal Benefit With
Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-up
Endorsement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 41 filed on August 23, 2007 (File Nos.
333-70472 and 811-08664).

eeee. Specimen of Guaranteed Minimum Withdrawal Benefit with 5-Year
Step-Up Endorsement, incorporated by reference to the Registrant's
Post-effective Amendment No. 46, filed on December 27, 2007 (File
Nos.333-70472 and 811-08664).

ffff. Specimen of the For Life GMWB With bonus and Annual Step-Up
Endorsement, incorporated by reference to the Registrant's
Post-effective Amendment No. 46, filed on December 27, 2007 (File
Nos. 333-70472 and 811-08664).

gggg. Specimen of the Joint For Life GMWB With Bonus and Annual Step-Up
Endorsement, incorporated by reference to the Registrant's
Post-effective Amendment No. 46, filed on December 27, 2007 (File
Nos. 333-70472 and 811-08664).

hhhh. Specimen of the Joint For Life GMWB with Bonus, guaranteed
Withdrawal Balance Adjustment and Annual Step-Up Endorsement,
incorporated by reference to the Registrant's
Post-effective Amendment No. 46, filed on December 27, 2007 (File
Nos. 333-70472 and 811-08664).

iiii. Specimen of the Guaranteed Minimum Income Benefit Endorsement,
attached hereto.

jjjj. Specimen of the Joint For Life Guaranteed Minimum Withdrawal
Benefit With Bonus and Annual Step-Up Endorsement, attached hereto.

kkkk. Specimen of the For Life Guaranteed Minimum Withdrawal Benefit
With Bonus and Annual Step-Up Endorsement, attached hereto.

5.a. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Registration
Statement filed on September 28, 2001 (File Nos. 333-70472 and
811-08664).

b. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 5 filed on May 1, 2003 (File Nos. 333-70472 and
811-08664).

c. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 6 filed on June 11, 2003 (File Nos. 333-70472 and
811-08664).

d. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 9 filed on February 27, 2004 (File Nos. 333-70472 and
811-08664).

e. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 11 filed on July 21, 2004 (File Nos. 333-70472 and
811-08664).

f. Form of the Fifth Third Perspective Fixed and Variable Annuity
Application, incorporated by reference to the Registrant's
Post-Effective Amendment No. 12 filed on September 17, 2004 (File
Nos. 333-70472 and 811-08664).

g. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 18 filed on September 2, 2005 (File Nos. 333-70472
and 811-08664).

h. Form of the Fifth Third Perspective Fixed and Variable Annuity
Application, incorporated by reference to the Registrant's
Post-Effective Amendment No. 18 filed on September 2, 2005 (File
Nos. 333-70472 and 811-08664).

i. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 32 filed on December 21, 2006 (File Nos.
333-70472 and 811-08664).

j. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 32 filed on December 21, 2006 (File Nos.
333-70472 and 811-08664).

k. Form of the Fifth Third Perspective Fixed and Variable Annuity
Application, incorporated by reference to the Registrant's Post-
Effective Amendment No. 33 filed on December 21, 2006 (File Nos.
333-70472 and 811-08664).

l. Form of the Fifth Third Perspective Fixed and Variable Annuity
Application, incorporated by reference to the Registrant's Post-
Effective Amendment No. 33 filed on December 21, 2006 (File Nos.
333-70472 and 811-08664).

m. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 34 filed on February 2, 2007 (File Nos. 333-70472 and
811-08664).

n. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 36 filed on April 25, 2007 (File Nos. 333-70472 and
811-08664).

o. Form of the Fifth Third Perspective Fixed and Variable Annuity
Application, incorporated by reference to the Registrant's
Post-Effective Amendment No. 37 filed on April 25, 2007 (File Nos.
333-70472 and 811-08664).

p. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 44 filed on November 28, 2007 (File Nos. 333-70472
and 811-08664).

q. Form of the Fifth Third Perspective Fixed and Variable Annuity
Application, incorporated by reference to the Registrant's
Post-Effective Amendment No. 45 filed on November 28, 2007 (File
Nos. 333-70472 and 811-08664).

r. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 46 filed on December 27, 2007 (File Nos. 333-70472
and 811-08664).

s. Form of the Perspective II Fixed and Variable Annuity Application,
incorporated by refverenced to the Registrant's Post-Effective
Amendment No. 49 filed on March 26, 2007 (File Nos. 333-70472 and
811-08664).

6.a. Articles of Incorporation of Depositor, incorporated by reference
to the Registrant's Post-Effective Amendment No. 3 filed on
April 30, 1996 (File Nos. 033-82080 and 811-08664).

b. By-laws of Depositor, incorporated by reference to the Registrant's
Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos.
033-82080 and 811-08664).

7.a. Variable Annuity Guaranteed Minimum Death Benefit Reinsurance
Agreement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 7 filed on August 11, 2003 (File Nos.
333-70472 and 811-08664).

b. Variable Annuity GMIB Reinsurance Agreement, incorporated by
reference to the Registrant's Post-Effective Amendment No. 7 filed
on August 11, 2003 (File Nos. 333-70472 and 811-08664).

c. Variable Annuity Guaranteed Minimum Death Benefit Reinsurance
Agreement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 8 filed on December 15, 2003 (File
Nos. 033-82080 and 811-08664).

d. Variable Annuity Guaranteed Minimum Death Benefit Reinsurance
Agreement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 11 filed on July 21, 2004 (File Nos.
333-70472 and 811-08664).

e. Variable Annuity Guaranteed Minimum Income Benefit Reinsurance
Agreement, incorporated by reference to the Registrant's
Post-Effective Amendment No. 19 filed on October 20, 2005 (File
Nos. 333-70472 and 811-08664).

f. Amendment No. 3 to the Variable Annuity GMIB Reinsurance Agreement,
incorporated by reference to the Registrant's Post-Effective
Amendment No. 32 filed on December 21, 2006 (File Nos. 333-70472
and 811-08664).

g. Amendment No. 4 to the March 1, 2005 Variable Annuity GMIB
Reinsurance Agreement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 34 filed on February 2,
2007 (File Nos. 333-70472 and 811-08664).

h. Amendment No. 10 to the January 1, 2002 Variable Annuity GMIB
Reinsurance Agreement, incorporated by reference to the
Registrant's Post-Effective Amendment No. 34 filed on February 2,
2007 (File Nos. 333-70472 and 811-08664).

i. Amendment No. 9 to the March 1, 2005 Variable Annuity GMIB
Reinsurance Agreement, incorporated by reference to the
Registrant's Post Effective Amendment No. 49 filed on March 26,
2008 (File Nos. 333-70472 and 811-08664).

8. Not Applicable

9. Opinion and Consent of Counsel, attached hereto.

10. [TO BE INCORPORATED BY POST-EFFECTIVE AMENDMENT]

11. Not Applicable

12. Not Applicable

Item 25. Directors and Officers of the Depositor

Name and Principal Positions and Offices
Business Address with Depositor

Richard D. Ash Vice President
1 Corporate Way
Lansing, MI 48951

John B. Banez Vice President
1 Corporate Way
Lansing, MI 48951

Maureen Bernacchi Assistant Vice President
7601 Technology Way
Denver, CO 80237

James P. Binder Senior Vice President & Treasurer
1 Corporate Way
Lansing, MI 48951

Steve Binioris Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Michele Binkley Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Barrett Bonemer Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Pamela Bottles Assistant Vice President
1 Corporate Way
Lansing, MI 48951

John H. Brown Vice President
1 Corporate Way
Lansing, MI 48951

Joseph Mark Clark Vice President
1 Corporate Way
Lansing, MI 48951

Marianne Clone Vice President
1 Corporate Way
Lansing, MI 48951

Michael Costello Assistant Vice President
1 Corporate Way
Lansing, MI 48951

James B. Croom Vice President & Deputy General Counsel
1 Corporate Way
Lansing, MI 48951

Robert H. Dearman Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Lisa C. Drake Senior Vice President & Chief Actuary
1 Corporate Way
Lansing, MI 48951

Phillip Brian Eaves Vice President
1 Corporate Way
Lansing, MI 48951

Charles F. Field Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Terence M. Finan Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Dana Malesky Flegler Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Robert A. Fritts Senior Vice President & Controller
1 Corporate Way
Lansing, MI 48951

Patrick W. Garcy Assistant Vice President
1 Corporate Way
Lansing, MI 48951

James D. Garrison Vice President
1 Corporate Way
Lansing, MI 48951

Julia A. Goatley Vice President & Assistant Secretary
1 Corporate Way
Lansing, MI 48951

John A. Gorgenson Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Robert W. Hajdu Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Cliff S. Hale, M.D. Vice President
1 Corporate Way
Lansing, MI 48951

Laura L. Hanson Vice President
1 Corporate Way
Lansing, MI 48951

Robert L. Hill Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Andrew B. Hopping Executive Vice President, Chief
1 Corporate Way Financial Officer & Director
Lansing, MI 48951

H. Dean Hosfield Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Stephen A. Hrapkiewicz, Jr. Senior Vice President
1 Corporate Way
Lansing, MI 48951

Thomas J. Hruska Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Julie A. Hughes Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Roger G. Hutchison Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Clifford J. Jack Executive Vice President & Chief
7601 Technology Way Distribution Officer
Denver, CO 80237

Daniel W. Koors Assistant Vice President
401 Wilshire Boulevard
Suite 1200
Santa Monica, CA 90401

Everett W. Kunzelman Vice President
1 Corporate Way
Lansing, MI 48951

Lynn W. Lopes Vice President
1 Corporate Way
Lansing, MI 48951

Ab B. Manning Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Clark P. Manning, Jr. President & Chief Executive Officer &
1 Corporate Way Director
Lansing, MI 48951

Thomas J. Meyer Senior Vice President, General Counsel &
1 Corporate Way Secretary
Lansing, MI 48951

Dean M. Miller Vice President
1 Corporate Way
Lansing, MI 48951

Keith R. Moore Vice President
1 Corporate Way
Lansing, MI 48951

Jacky Morin Vice President
1 Corporate Way
Lansing, MI 48951

P. Chad Myers Senior Vice President
1 Corporate Way
Lansing, MI 48951

J. George Napoles Executive Vice President & Chief
1 Corporate Way Administration Officer
Lansing, MI 48951

Mark D. Nerud Vice President
225 W. Wacker Drive
Suite 1200
Chicago, IL 60606

Timothy J. Padot Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Eric M. Palumbo Assistant Vice President & Illustration
7601 Technology Way Officer
Denver, CO 80237

Russell E. Peck Vice President
1 Corporate Way
Lansing, MI 48951

Laura L. Prieskorn Vice President
1 Corporate Way
Lansing, Michigan 48951

Dana S. Rapier Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Susan S. Rhee Assistant Vice President
1 Corporate Way
Lansing, MI 48951

William R. Schulz Vice President
1 Corporate Way
Lansing, MI 48951

Muhammad S. Shami Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Christian J. Shiemke Assistant Vice President
1 Corporate Way
Lansing, MI 48951

David I. Slater Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Kathleen M. Smith Vice President
1 Corporate Way
Lansing, MI 48951

Gary L. Stone Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Heather R. Strang Vice President
1 Corporate Way
Lansing, MI 48951

James R. Sopha Executive Vice President & Director
1 Corporate Way
Lansing, MI 48951

Eamon J. Twomey Vice President
1 Corporate Way
Lansing, MI 48951

Robert M. Tucker, Jr. Vice President
1 Corporate Way
Lansing, MI 48951

Marcia L. Wadsten Assistant Vice President
1 Corporate Way
Lansing, MI 48951

Michael A. Wells Chief Operating Officer & Director
401 Wilshire Boulevard
Suite 1200
Santa Monica, CA 90401

David A. Zyble Assistant Vice President
1 Corporate Way
Lansing, MI 48951

[Enlarge/Download Table]

Item 26. Persons Controlled by or Under Common Control with the Depositor or Registrant.

Company State of Organization Control/Ownership Business Principal

Alcona Funding LLC Delaware 100% Jackson National Investment Related
Life Insurance Company Company

Berrien Funding LLC Delaware 100% Jackson National Investment Related
Life Insurance Company Company

Brooke GP Delaware 99% Brooke (Holdco 1) Holding Company
Inc. Activities

1% Brooke (Holdco 2)
Inc.

Brooke LLC Delaware 77% Prudential (US Holding Company
Holdco 2) Limited Activities

23% Brooke (Jersey)
Limited

Brooke (Holdco 1) Inc. Delaware 100% Prudential (US Holding Company
Holdco 3) BV Activities

Brooke (Holdco 2) Inc. Delaware 100% Brooke (Holdco 1) Holding Company
Inc. Activities

Brooke Holdings LLC Delaware 100% Nicole Finance Holding Company
Inc. Activities

Brooke Holdings (UK) United Kingdom 100% Brooke GP Holding Company
Limited Activities

Brooke Investment, Inc. Delaware 100% Brooke Holdings Investment Related
LLC Company

Brooke Life Insurance Michigan 100% Brooke Holdings Life Insurance
Company LLC

Brooke (Jersey) Limited United Kingdom 100% Prudential (US Holding Company
Holdco 2) Limited Activities

Calhoun Funding LLC Delaware 100% Jackson National Investment Related
Life Insurance Company Company

Curian Capital, LLC Michigan 100% Jackson National Registered Investment
Life Insurance Company Advisor

Curian Clearing LLC Michigan 100% Jackson National Broker/Dealer
(formerly, BH Clearing Life Insurance Company
LLC)

Equestrian Pointe Illinois 100% Jackson National Real Estate
Investors, L.L.C. Life Insurance Company

GCI Holding Corporation Delaware 75.8% Jackson National Holding Company
Life Insurance Company Activities

Hermitage Management, LLC Michigan 100% Jackson National Advertising Agency
Life Insurance Company

Holborn Delaware LLC Delaware 100% Prudential Four Holding Company
Limited Activities

IFC Holdings, Inc. Delaware 100% National Planning Broker/Dealer and
d/b/a INVEST Financial Holdings Inc. Investment Adviser
Corporation

Investment Centers of North Dakota 100% IFC Holdings, Inc. Broker/Dealer and
America, Inc. Investment Adviser

JNL Investors Series Trust Massachusetts 100% Jackson National Investment Company
Life Insurance Company

Jackson National Asset Michigan 100% Jackson National Investment Adviser and
Management, LLC Life Insurance Company Transfer Agent

Jackson National Life Bermuda 100% Jackson National Life Insurance
(Bermuda) Ltd. Life Insurance Company

Jackson National Life Delaware 100% Jackson National Advertising/Marketing
Distributors LLC Life Insurance Company Corporation and
Broker/Dealer

Jackson National Life New York 100% Jackson National Life Insurance
Insurance Company Life Insurance Company
of New York

JNLI LLC Delaware 100% Jackson National Tuscany Notes
Life Insurance Company

JNL Series Trust Massachusetts Common Law Trust with Investment Company
contractual association
with Jackson National
Life Insurance Company
of New York

JNL Southeast Agency LLC Michigan 100% Jackson National Insurance Agency
Life Insurance Company

JNL Variable Fund LLC Delaware 100% Jackson National Investment Company
Separate Account - I

JNLNY Variable Fund I LLC Delaware 100% JNLNY Separate Investment Company
Account I

Meadows NRH Associates, Texas 100% Meadows NRH, Inc. Real Estate
L.P.

Meadows NRH, Inc. Texas 100% Jackson National Real Estate
Life Insurance Company

National Planning Delaware 100% National Planning Broker/Dealer and
Corporation Holdings, Inc. Investment Adviser

National Planning Delaware 100% Brooke Holdings Holding Company
Holdings, Inc. LLC Activities

Nicole Finance Inc. Delaware 100% Brooke GP Holding Company
Activities

PGDS (US One) LLC Delaware 100% Jackson National Holding Company
Life Insurance Company Activities

PGDS (US Two) LLC Delaware 100% PGDS (US One) LLC Holding Company
Activities

Piedmont Funding LLC Delaware 100% Jackson National Investment Related
Life Insurance Company Company

PPM Holdings, Inc. Delaware 100% Brooke Holdings Holding Company
LLC Activities

Prudential plc United Kingdom Publicly Traded Financial Institution

Prudential Corporation United Kingdom 100% Prudential Holdings Holding Company
Holdings, Limited Limited Activities

Prudential Holdings Scotland 100% Prudential plc Holding Company
Limited Activities

Prudential One Limited United Kingdom 100% Prudential Holding Company
Corporations Holdings, Activities
Limited

Prudential Two Limited United Kingdom 100% Prudential One Holding Company
Limited Activities

Prudential Three Limited United Kingdom 100% Prudential One Holding Company
Limited Activities

Prudential Four Limited United Kingdom 80% Prudential One Holding Company
Limited, 10% Prudential Activities
Two Limited, 10%
Prudential Three Limited

Prudential (US Holdco 1) BV Netherlands 100% Prudential (US Holding Company
Holdco 1) Limited Activities

Prudential (US Holdco 2) BV Netherlands 100% Prudential (US Holding Company
Holdco 1) BV Activities

Prudential (US Holdco 3) BV Netherlands 100% Prudential (US Holding Company
Holdco 2) BV Activities

Prudential (US Holdco 1) United Kingdom 100% Brooke LLC Holding Company
Limited Activities

Prudential (US Holdco 2) Gibraltar 100% Holborn Delaware Holding Company
Limited LLC Activities

SII Investments, Inc. Wisconsin 100% National Planning Broker/Dealer and
Holdings, Inc. Investment Adviser

Item 27. Number of Contract Owners as of January 31, 2008

Qualified - 113,774
Non-Qualified - 94,084

Item 28. Indemnification

Provision is made in the Company's Amended By-Laws for indemnification by the
Company of any person who was or is a party or is threatened to be made a party
to a civil, criminal, administrative or investigative action by reason of the
fact that such person is or was a director, officer or employee of the Company,
against expenses, including attorneys' fees, judgments, fines and amounts paid
in settlement actually and reasonably incurred by such person in connection with
such action, suit or proceedings, to the extent and under the circumstances
permitted by the General Corporation Law of the State of Michigan.

Insofar as indemnification for liabilities arising under the Securities Act of
1933 ("Act") may be permitted to directors, officers and controlling persons of
the Company pursuant to the foregoing provisions, or otherwise, the Company has
been advised that in the opinion of the Securities and Exchange Commission such
indemnification is against public policy as expressed in the Act and is,
therefore, unenforceable. In the event that a claim for indemnification against
liabilities (other than the payment by the Company of expenses incurred or paid
by a director, officer or controlling person of the Company in the successful
defense of any action, suit or proceeding) is asserted by such director, officer
or controlling person in connection with the securities being registered, the
Company will, unless in the opinion of its counsel the matter has been settled
by controlling precedent, submit to a court of appropriate jurisdiction the
question whether such indemnification by it is against public policy as
expressed in the Act and will be governed by the final adjudication of such
issue.

Item 29. Principal Underwriter

(a) Jackson National Life Distributors LLC acts as general
distributor for the Jackson National Separate Account - I.
Jackson National Life Distributors LLC also acts as general
distributor for the Jackson National Separate Account III, the
Jackson National Separate Account IV, the Jackson National
Separate Account V, the JNLNY Separate Account I, the JNLNY
Separate Account II, and the JNLNY Separate Account IV.

(b) Directors and Officers of Jackson National Life Distributors
LLC:

Name and Business Address Positions and Offices with Underwriter

Michael A. Wells Manager
401 Wilshire Blvd.
Suite 1200
Santa Monica, CA 90401

Andrew B. Hopping Chief Financial Officer
1 Corporate Way
Lansing, MI 48951

Clifford J. Jack Manager, President and Chief Executive Officer
7601 Technology Way
Denver, CO 80237

Nikhil Advani Vice President
7601 Technology Way
Denver, CO 80237

Stephen M. Ash Vice President
7601 Technology Way
Denver, CO 80237

Pamela Aurbach Vice President
7601 Technology Way
Denver, CO 80237

Jeffrey Bain Assistant Vice President
7601 Technology Way
Denver, CO 80237

Brad Baker Assistant Vice President
7601 Technology Way
Denver, CO 80237

Mercedes Biretto Assistant Vice President
7601 Technology Way
Denver, CO 80237

Janice Blanchard Vice President
7601 Technology Way
Denver, CO 80237

James Bossert Senior Vice President
7601 Technology Way
Denver, CO 80237

Amy Bozic Assistant Vice President
7601 Technology Way
Denver, CO 80237

(Christian) Alex Bremer Assistant Vice President
7601 Technology Way
Denver, CO 80237

William Britt Vice President
7601 Technology Way
Denver, CO 80237

Tori Bullen Senior Vice President
210 Interstate North Parkway
Suite 401
Atlanta, GA 30339-2120

Greg Cicotte Executive Vice President,
7601 Technology Way National Sales Manager
Denver, CO 80237

Maura Collins Vice President
7601 Technology Way
Denver, CO 80237

Robert DiNardo Vice President
7601 Technology Way
Denver, CO 80237

Paul Fitzgerald Senior Vice President
7601 Technology Way
Denver, CO 80237

Greg Giauque Assistant Vice President
7601 Technology Way
Denver, CO 80237

Julia A. Goatley Assistant Secretary
1 Corporate Way
Lansing, MI 48951

Luis Gomez Vice President
7601 Technology Way
Denver, CO 80237

Kevin Grant Vice President
7601 Technology Way
Denver, CO 80237

Rupert T. Hall, Jr. Regional Vice President
7601 Technology Way
Denver, CO 80237

Bonnie Howe Vice President and Deputy General Counsel
7601 Technology Way
Denver, CO 80237

Thomas Hurley Senior Vice President
7601 Technology Way
Denver, CO 80237

Mark Jones Vice President
7601 Technology Way
Denver, CO 80237

Steve Johnson Regional Vice President
7601 Technology Way
Denver, CO 80237

Georgette Kraag Regional Vice President
7601 Technology Way
Denver, CO 80237

Steve Kluever Senior Vice President
7601 Technology Way
Denver, CO 80237

Brian Lane Vice President
7601 Technology Way
Denver, CO 80237

James Livingston Executive Vice President
7601 Technology Way
Denver, CO 80237

Barbara Logsdon Assistant Vice President
7601 Technology Way
Denver, CO 80237

Doug Mantelli Vice President
7601 Technology Way
Denver, CO 80237

James McCorkle Vice President
7601 Technology Way
Denver, CO 80237

Tamu McCreary Assistant Vice President
7601 Technology Way
Denver, CO 80237

Brooke Meyer Vice President
1 Corporate Way
Lansing, MI 48951

Thomas J. Meyer Manager, and Secretary
1 Corporate Way
Lansing, MI 48951

Megan Meyers Regional Vice President
7601 Technology Way
Denver, CO 80237

Jack Mishler Senior Vice President
7601 Technology Way
Denver, CO 80237

Kenneth Naes Vice President
7601 Technology Way
Denver, CO 80237

Tony Natale Assistant Vice President
38705 Seven Mile Road, Suite 251
Livonia, MI 48152-1058

Steve Papa Regional Vice President
7601 Technology Way
Denver, CO 80237

Eric Palumbo Assistant Vice President
7601 Technology Way
Denver, CO 80237

Kimberly Pfenning Assistant Vice President
7601 Technology Way
Denver, CO 80237

Peter Radloff Vice President
7601 Technology Way
Denver, CO 80237

Jeremy Rafferty Assistant Vice President
7601 Technology Way
Denver, CO 80237

Justin Rafferty Vice President
7601 Technology Way
Denver, CO 80237

Gregory B. Salsbury Executive Vice President
7601 Technology Way
Denver, CO 80237

Sharon Santella Assistant Vice President
7601 Technology Way
Denver, CO 80237

Marilynn Scherer Vice President
7601 Technology Way
Denver, CO 80237

Kathleen Schofield Vice President
7601 Technology Way
Denver, CO 80237

Jennifer Seamount Vice President
7601 Technology Way
Denver, CO 80237

David Sprague Divisional Vice President
7601 Technology Way
Denver, CO 80237

Daniel Starishevsky Senior Vice President
7601 Technology Way
Denver, CO 80237

David Stebenne Regional Vice President
7601 Technology Way
Denver, CO 80237

Jeremy Swartz Assistant Vice President
7601 Technology Way
Denver, CO 80237

Doug Townsend Vice President and Controller and FinOp
7601 Technology Way
Denver, CO 80237

C. Ray Trueblood Vice President
7601 Technology Way
Denver, CO 80237

Stephanie Valentine Assistant Vice President
7601 Technology Way
Denver, CO 80237

Asa Wood Assistant Vice President
7601 Technology Way
Denver, CO 80237

Daniel Wright Vice President and Chief Compliance Officer
7601 Technology Way
Denver, CO 80237

Phil Wright Vice President
7601 Technology Way
Denver, CO 80237

(c)

[Enlarge/Download Table]

Name of Principal Net Underwriting Compensation on Brokerage Compensation
Underwriter Discounts and Redemption or Commissions
Commissions Annuitization

Jackson National Life Not Applicable Not Applicable Not Applicable Not Applicable
Distributors LLC

Item. 30. Location of Accounts and Records

Jackson National Life Insurance Company
1 Corporate Way
Lansing, Michigan 48951

Jackson National Life Insurance Company
Institutional Marketing Group Service Center
1 Corporate Way
Lansing, Michigan 48951

Jackson National Life Insurance Company
7601 Technology Way
Denver, Colorado 80237

Jackson National Life Insurance Company
225 West Wacker Drive, Suite 1200
Chicago, IL 60606

Item. 31. Management Services

Not Applicable

Item. 32. Undertakings and Representations

a. Jackson National Life Insurance Company hereby undertakes to
file a post-effective amendment to this registration statement
as frequently as is necessary to ensure that the audited
financial statements in the registration statement are never
more than sixteen (16) months old for so long as payment under
the variable annuity contracts may be accepted.

b. Jackson National Life Insurance Company hereby undertakes to
include either (1) as part of any application to purchase a
contract offered by the Prospectus, a space that an applicant
can check to request a Statement of Additional Information, or
(2) a postcard or similar written communication affixed to or
included in the Prospectus that the applicant can remove to send
for a Statement of Additional Information.

c. Jackson National Life Insurance Company hereby undertakes to
deliver any Statement of Additional Information and any
financial statement required to be made available under this
Form promptly upon written or oral request.

d. Jackson National Life Insurance Company represents that the fees
and charges deducted under the contract, in the aggregate, are
reasonable in relation to the services rendered, the expenses to
be incurred, and the risks assumed by Jackson National Life
Insurance Company.

e. The Registrant hereby represents that any contract offered by
the prospectus and which is issued pursuant to Section 403(b) of
the Internal Revenue Code of 1986 as amended, is issued by the
Registrant in reliance upon, and in compliance with, the
Securities and Exchange Commission's industry-wide no-action
letter to the American Council of Life Insurance (publicly
available November 28, 1988) which permits withdrawal
restrictions to the extent necessary to comply with IRS Section
403(b)(11).

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of
1940, the Registrant certifies that it meets the requirements of Securities Act
Rule 485(b) for effectiveness of this post-effective amendment and has caused
this post-effective amendment to be signed on its behalf, in the City of
Lansing, and State of Michigan, on this 2nd day of April, 2008.

Jackson National Separate Account - I
(Registrant)

Jackson National Life Insurance Company

By: THOMAS J. MEYER
Thomas J. Meyer
Senior Vice President, Secretary,
and General Counsel

Jackson National Life Insurance Company
(Depositor)

By: THOMAS J. MEYER
Thomas J. Meyer
Senior Vice President, Secretary,
and General Counsel

As required by the Securities Act of 1933, this post-effective amendment to the
Registration Statement has been signed by the following persons in the
capacities and on the dates indicated.

THOMAS J. MEYER* April 2, 2008
Clark P. Manning, Jr., President, Chief
Executive Officer and Director

THOMAS J. MEYER* April 2, 2008
Michael A. Wells, Director

THOMAS J. MEYER* April 2, 2008
Andrew B. Hopping, Executive Vice President -
Chief Financial Officer and Director

THOMAS J. MEYER* April 2, 2008
Robert A. Fritts, Senior Vice President
and Controller

THOMAS J. MEYER* April 2, 2008
James R. Sopha, Executive Vice President
and Director

* Thomas J. Meyer, Senior Vice President,
Secretary, General Counsel and Attorney-in-Fact.
pursuant to Power of Attorney executed on
January 2, 2008

POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned as directors and/or
officers of JACKSON NATIONAL LIFE INSURANCE COMPANY (the Depositor), a Michigan
corporation, hereby appoint Clark P. Manning, Jr., Andrew B. Hopping, Thomas J.
Meyer, Patrick W. Garcy, Susan S. Rhee, and Anthony L. Dowling (each with power
to act without the others) his attorney-in-fact and agent, with full power of
substitution and resubstitution, for and in his name, place and stead, in any
and all capacities, to sign applications and registration statements, and any
and all amendments, with power to affix the corporate seal and to attest it, and
to file the applications, registration statements, and amendments, with all
exhibits and requirements, in accordance with the Securities Act of 1933, the
Securities and Exchange Act of 1934, and/or the Investment Company Act of 1940.
This Power of Attorney concerns JNL Separate Account - I (033-82080, 333-70472,
333-73850, 333-118368, 333-119656, 333-132128 and 333-136472), JNL Separate
Account III (333-41153), JNL Separate Account IV (333-108433 and 333-118131),
and JNL Separate Account V (333-70697), as well as any future separate accounts
the Depositor establishes through which securities, particularly variable
annuity contracts and variable universal life insurance policies, are to be
offered for sale. The undersigned grant to each attorney-in-fact and agent full
authority to take all necessary actions to effectuate the above as fully, to all
intents and purposes, as he/she could do in person, thereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, may
lawfully do or cause to be done by virtue hereof. This instrument may be
executed in one or more counterparts.

IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney as of
the 2nd day of January, 2008.

CLARK P. MANNING, JR.
______________________________________
Clark P. Manning, Jr., President, Chief
Executive Officer and Director

MICHAEL A. WELLS
______________________________________
Michael A. Wells, Chief Operating Officer
and Director

ANDREW B. HOPPING
______________________________________
Andrew B. Hopping, Executive Vice President,
Chief Financial Officer and Director

ROBERT A. FRITTS
______________________________________
Robert A. Fritts, Senior Vice President and
Controller

JAMES R. SOPHA
______________________________________
James R. Sopha, Executive Vice President,
and Director

EXHIBIT LIST

Exhibit No. Description

iiii. Specimen of the Guaranteed Minimum Income Benefit Endorsement,
attached hereto as EX-4.iiii.

jjjj. Specimen of the Joint For Life Guaranteed Minimum Withdrawal
Benefit With Bonus and Annual Step-Up Endorsement, attached hereto
as EX-4.jjjj.

kkkk. Specimen of the For Life Guaranteed Minimum Withdrawal Benefit
With Bonus and Annual Step-Up Endorsement, attached hereto as
EX-4.kkkk.

9. Opinion and Consent of Counsel, attached hereto as EX-9.

485APOS	1st “Page” of 5	TOC	↑Top	Previous	Next	↓Bottom	Just 1st

485APOS	2nd “Page” of 5	TOC	1st	Previous	Next	↓Bottom	Just 2nd

485APOS	3rd “Page” of 5	TOC	1st	Previous	Next	↓Bottom	Just 3rd

485APOS	4th “Page” of 5	TOC	1st	Previous	Next	↓Bottom	Just 4th

485APOS	Last “Page” of 5	TOC	1st	Previous	Next	↓Bottom	Just 5th

Dates Referenced Herein and Documents Incorporated by Reference

		Referenced-On Page
This ‘485APOS’ Filing	Date	First	Last	Other Filings

	6/9/08	2	3
Filed on:	4/2/08	1	5
	4/1/08	1		497
	3/31/08	2		485BPOS
	3/26/08	1	5	485BPOS
	1/31/08	5		CORRESP
	1/2/08	5
	12/27/07	5		485APOS
	11/28/07	5		485BPOS
	8/23/07	5		485APOS
	4/25/07	5		485BPOS
	3/26/07	5
	2/2/07	5		485APOS
	12/21/06	5		40-6C/A, 485BPOS
	8/23/06	5
	8/10/06	5		N-4
	6/23/06	5		40-6C, 40-6C/A, 485APOS
	6/1/06	5
	1/31/06	5		485APOS
	12/29/05	5		485BPOS, AW
	10/25/05	5
	10/20/05	5		485APOS
	9/2/05	5		485BPOS
	6/20/05	5		485APOS
	3/1/05	5
	12/30/04	5		N-4, N-4/A
	12/23/04	5		N-4/A
	9/30/04	5		N-4
	9/17/04	5		485BPOS
	8/19/04	5		N-4
	7/21/04	5		485APOS
	2/27/04	5		485APOS, NSAR-U
	12/15/03	5		485BPOS
	8/11/03	5		485BPOS
	6/11/03	5		485APOS
	5/1/03	5		485BPOS
	11/1/02	5		485APOS
	4/29/02	5		485BPOS
	1/1/02	5
	12/19/01	5		N-4/A
	9/28/01	5		485BPOS, N-4
	4/21/99	5		485BPOS
	6/30/98	5
	4/30/96	5		485BPOS
	5/24/95	5
				List all Filings

↑Top

Filing Submission 0000927730-08-000091 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Jackson National Separate Account - I, et al. – ‘485APOS’ on 4/2/08

On: Wednesday, 4/2/08, at 4:12pm ET · Private-to-Public: Document/Exhibit ¶ – Release Delayed · Accession #: 927730-8-91 · File #s: 333-70472, 811-08664

Previous ‘485APOS’: ‘485APOS’ on 12/27/07 · Next: ‘485APOS’ on 7/2/08 · Latest: ‘485APOS’ on 5/12/23

Post-Effective AmendmentFiling Table of Contents

‘485APOS’ — Pii SupplementDocument Table of Contents

Dates Referenced Herein and Documents Incorporated by Reference

On: Wednesday, 4/2/08, at 4:12pm ET · Private-to-Public: Document/Exhibit `¶` – Release Delayed · Accession #: 927730-8-91 · File #s: 333-70472, 811-08664

Post-Effective Amendment
Filing Table of Contents

‘485APOS’ — Pii Supplement
Document Table of Contents